vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
XXXX around for a mortgage for potential new purchase in XX/XX/XXXX. Contacted Rocket mortgage XXXX XXXX XXXX, for rates and informal pre qual. Never did get rates ( was looking for XXXX XXXX ) and provided preliminary info on my quals. We had not decided to go with Rocket and was in the inquiry stage. 

XXXX said she could do a soft pull of my XXXX for pre qual. I explained to her that because we had a fraud alert that our XXXX 's were on the XXXX XXXX we locked all our credit reporting accounts. We arranged a phone call whereas I unlocked my XXXX. During the phone call she surprisingly told me that she needed wife XXXX 's XXXX unlocked also. As this was not known ahead of time and wife XXXX was away from the house at the time, did not have her XXXX unlocked. XXXX would not process further, became XXXX, and seemed to want us to fully apply for a loan before just doing a courtesy pre qual ( with information provided on email XX/XX/XXXX ). Note this included a screen shot of my XXXX XXXX score XXXX, excellent from my XXXX credit journey which is powered by XXXX. We terminated our inquiry with XXXX and Rocket Mortgage and I called their office and filed a complaint against XXXX. 

Got a letters from XXXX XXXX Rocket dated XX/XX/XXXX, denying processing of loan due to XXXX XXXX, referencing source some XXXX XXXX XXXX, XXXX  First, we terminated Rocket, not XXXX versa, the letter is bogus as we have excellent credit. It appears to be retaliation from disgruntled employee XXXX for having complained about her.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Recently I looked at my credit report and noticed some inaccuracies. This is hurting my chances to obtain credit. It was my understanding that XXXX will investigate this account for me to ensure everything is correct. Here is the account I am asking you to verify as accurate : PORTFOLIO RECOVERY ASSOCIATES account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently read through a copy of my credit report and I saw addresses on there that are not correct. I looked up your website and I have enclosed the proof of the current address that you require. To make the deletion easier, here is a list of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled XXXX way and XXXX way only. I have enclosed my ID as proof of the correct spelling. Again, to make deletion easier, here is a list of the incorrect spellings : XXXX XXXX XXXX XXXX Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. 
Thanks so much!! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-24 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
When a company says soft pull should be a soft pull not a hard inquiry and some more than twice on my XXXX account mostly and noticed some on XXXX XXXX and XXXX please remove this inquiry notices that I did not authorize and was manipulated more than once. Companies need to be held accountable for this kind of manipulation practice and had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am requesting a copy of the original purchase agreement/ assignment document of my creditors. According to credit code ( 15usc6802 ) a financial institution may not disclose non- public personal information to a nonaffiated third party. Also, 15usc1681b2, states FCRA that outlines the permissible purposes requires the consumer reporting agency CRAS to provide a consumer reports upon request. 15usc1681- S2A references, creditors reporting information with actual knowledge of errors addition to the requirements. According to 12cfr 1006.34c/18 usc1028a producing information without lawful authority and identification document knowing that such document was stolen or produced without lawful authority. I am requesting the following creditor and inquiries listed below to be removed from my credit report due to not having principal purposes to my credit. According to FCRA I have a right to an accurate credit report. Please remove the creditor listed immediately from my credit report. After remove provide me with a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-24 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 am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 non-monetary relief
Consumer complaint received 2024-12-24 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: MS

Complaint narrative:
To Whom It May Concern, Re : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Data Breaches I am writing to dispute the inclusion of certain accounts on my XXXX credit report, which I firmly believe are fraudulent and directly linked to the recent XXXX and Experian XXXX breaches. These breaches have compromised my personal information, resulting in the unauthorized use of my identity. 

The following accounts are fraudulent and must be removed from my credit report immediately : XXXX. [ XXXX XXXX XXXX XXXX ] XXXX. [ XXXX XXXX ] I have never authorized or opened these accounts. I have already filed a police report regarding identity theft ( see attached copy ) and submitted a fraud alert to all major credit bureaus, including XXXX. Additionally, I have included the following supporting documents for your review : Copy of my government-issued ID Proof of address ( utility bill or bank statement ) Police report or FTC identity theft affidavit Any correspondence proving the accounts are fraudulent Your failure to safeguard consumer data has already subjected me to financial harm and unnecessary stress. It is unacceptable for these inaccuracies to persist on my report. As mandated under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to investigate this matter thoroughly and resolve it promptly. 

I demand : XXXX. An immediate removal of the disputed accounts from my XXXX credit report. 
XXXX. A written confirmation that these accounts have been deleted. 
XXXX. Assurance that this dispute will not impact my credit score negatively. 

Please consider this letter my formal notice. Should you fail to resolve this matter promptly, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 

I expect a written response to this dispute within the ( XXXX ) days.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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 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 2024-12-24 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: WA

Complaint narrative:
This company charged me for late fees that should not have been charged. They made a mistake in their app with the wrong information. I should not had no late fees. I included their digital statements that show late payments. I included my bank statement shown. I had the funds. I included bank account attached to account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 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:
the company has sent a response where it states never late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
the company has sent a response where it states never late

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/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 2024-12-24 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: TX

Complaint narrative:
This morning, I was alarmed to see inaccurate accounts appearing on my credit report, and I honestly dont know why this is happening. Ive been diligent about checking my report, and everything has always been accurate until now. Desperate to fix it, I refreshed my browser, thinking it might just be a glitch, but the errors remained. I feel so overwhelmed by this issue, and I beg for the documents Ive sent to be thoroughly reviewed so I never have to face this kind of stress again.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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 2024-12-24 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: TX

Complaint narrative:
This morning, I discovered inaccurate accounts on my credit report, and I am completely clueless as to how they ended up there. I routinely check my credit report, but this time, I found unexpected discrepancies. I even tried refreshing the browser, thinking it might be a technical glitch, but the accounts remained. Im begging for a thorough review of the documents Ive submitted so that I can finally put this nightmare behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I requested cancellation of the escrow account Citizens currently maintains for the payment of insurance premiums and taxes. Citizens declined such cancellation, claiming, in writing, that the loan balance relative to the value of the property is too high. When contacted, the representative admitted that Citizens does not in fact know the current value of the property and their decision is based on the original loan balance. 

This is a nonsense response. The idea that a property purchased XXXX years ago for a mere $ XXXX, still maintains a XXXX in excess of 80 %, in the midst of a national and acute housing shortage, when Citizens themselves proudly advertise a median area value of $ XXXX within their online client portal, carries no weight. It is a painfully transparent attempt to milk people, and causes unnecessary hardship for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
indigo credit card has charged me with too much interest and fees for being late, even after i explained my financial problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Account Name : Eastern Account System, Inc. 

Subject : Formal Dispute Regarding Collection Account To Whom It May Concern, I am writing to formally dispute a collection account that has been reported on my credit file. This account, which is being pursued by XXXX, XXXX, and XXXX, appears to be inaccurate or incomplete. I kindly request your assistance in verifying the validity of this debt and ensuring that all related activities comply with the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
The law firm name TENAGLIA XXXX  HUNT, P.A. I have been calling to resolve the credit Card debt for like 20 times now, I leave a message, but they never respond to my calls. I am giving ultimatum till XXXX of XXXX to resolve the debt but they are not picking up my call. Please help me out because right now I am really struggling with taking care of my family. And they said if I am not able to resolve the debt and the court gave a judgment, they will garnish my belongings. PLEASE HELP ME OUT.

Company response to consumer: Closed with explanation