vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon checking my credit report, I see that there are three hard inquiries that were not authorized and are possibly the result of identity theft. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-16 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: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years. 15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fradulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2024-12-16 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have called and spoke to numerous reps at Wells Fargo since XXXX XXXX. I've been repeatedly told they would close and remove the authorized user account from my credit. They also confirmed they spoke to the card holder who also requested I be removed from the account. They removed it from XXXX XXXX and XXXX but it still reflects on XXXX thereby affecting my credit score due to her outstanding balance. The account still shows open with a $ XXXX balance due. I don't have a card on this account, have requested they remove it and remove her Hurricane, UT address from my credit. The card holder asked them at the beginning of XXXX to do this, they told me when I called it takes 60 days. 3 months later I'm having to dispute the same problem, their failure to remove the authorized account from my credit and close it. I don't know if they're confused or what the situation is but this is not my account, I want it closed and removed from my credit ASAP as the card holder, and I have requested numerous times. If it is still on my credit when I run my report on XX/XX/XXXX, I will proceed with suing them and refuse to settle! I'm tired of them lying about the dispute, yet doing nothing to resolve this. I have not spoken to the card holder since, when I do I will let her know she needs to get on top of this. However I don't think I will hear from her. She's not very good at keeping in touch. I've been fighting this on my own since XXXX with no follow up from the card holder or Wells Fargo! I'm sick of this account affecting my FICO and am willing to sue!

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 2024-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Subject : Complaint Regarding Mismanagement of Escrow Payments and Insurance Claims Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint regarding the mismanagement of escrow payments by my mortgage servicer, PennyMac, and the improper handling of my homeowners and auto insurance policies by XXXX. Their combined mismanagement has caused me significant financial, physical, and emotional harm over the past three years. Below, I have detailed the issues, their impact, and my requests for resolution. 
________________________________________ What Happened 1. Escrow Mismanagement by PennyMac PennyMac has continued to withdraw funds from my escrow account for homeowners insurance premiums, even after XXXX canceled my policies citing nonpayment. Neither I nor PennyMac received notification from XXXX about any change in payment responsibilities. 
Dates of Issue : Payments continued in XXXX, despite policy cancellations on dates including XX/XX/2024, and XX/XX/2024. 
Amounts Involved : Escrow payments for homeowners insurance were approximately {$1200.00} annually, but XXXX claimed nonpayment. 
2. Improper Handling by XXXX XXXX failed to process my valid insurance claim for extensive property damage and delayed resolution by repeatedly switching adjusters and providing inconsistent communication. They also canceled my policies due to alleged nonpayment, despite timely escrow disbursements by PennyMac. 
Claim Issues : XXXX refused to pay repair costs for my uninhabitable home, stating quotes were overpriced without conducting independent assessments or providing reasonable alternatives. 
Policy Cancellations : On XX/XX/2024, XXXX canceled my homeowners insurance, claiming {$350.00} was due. PennyMac continued withdrawing funds for this policy without any explanation or resolution. 
________________________________________ Impact 1. Financial Losses : o Significant repair costs for my home, worsening damage due to delays, and expenses related to temporary housing.

2. Health and Emotional Distress : o My living conditions have worsened existing physical injuries and caused severe mental distress.

3. Risk of Uninsured Liability : o Policy cancellations left me without coverage, increasing my financial and legal vulnerability.

________________________________________ Steps Taken I have : Contacted XXXX multiple times to resolve the issue, but payments were not credited, claims were delayed, and policies were canceled. 
Contacted PennyMac to address escrow discrepancies but received no clear explanation for why funds were not applied to my insurance policies.

Despite these efforts, the issues remain unresolved.

all information and numbers was not added to give full story of situations please take this into considerations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-12-16 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 identified an inaccurate, unverifiable, or outdated item on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to dispute this directly with the credit bureau and furnishers, they have failed to comply with FCRA-mandated obligations, including providing proper documentation to substantiate the validity of the account. Instead, I have received generic responses or no response at all. This failure constitutes a breach of my consumer rights. These inaccuracies are causing unnecessary harm to my creditworthiness and financial standing. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
The specific hard inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were performed without my explicit authorization, which is required under federal law for hard inquiries to appear on a consumer credit report.

XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 6801 : The entities accessing my credit report failed to protect my financial information and ensure that proper authorization was obtained, violating my privacy rights. 

Experians Obligations Under FCRA 611 : I requested Experian investigate and remove these unauthorized inquiries from my report. To date, they have not provided adequate resolution or evidence to validate these 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 explanation
Consumer complaint received 2024-12-16 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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-16 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: TX

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 explanation
Consumer complaint received 2024-12-16 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: CT

Complaint narrative:
I sent the following email to a contact given to me by XXXX Bank. I have sent XXXX emails between XX/XX/XXXX and XX/XX/XXXX and have not received a response. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Dear XXXX, I XXXX ( and mailed ) a payment for the full amount of my loan balance to XXXX Bank on XX/XX/XXXX XXXX a due date of XX/XX/XXXX. See the copy of my check, statement, and notes, attached. I have since voided this check. 

Apparently, XXXX never got my check and I received the attached late notice. Upon receipt of this notice, I paid the full balance immediately. I later found a mark on my credit report. 

About XXXX months ago, I sent a note to XXXX explaining this situation, that I had paid this bill on time and to please remove the mark from my credit report. I dont recall if I emailed or mailed my request, but I know for sure that I sent it. I never received a response. 

I just spoke with XXXX at XXXX who gave me your email. Long story short, I definitely sent this payment on time. I assume the check was either lost in the mail or at your facility. Regardless of what happened, I wanted to send you some proof that I sent this check in on time. 
The late mark on my credit report is affecting my otherwise great credit and Im concerned about additional points/rates we may need to pay on an upcoming home equity line I am applying for. 

As such, would you kindly consider removing the late mark on my credit report? 

Feel free to call me at XXXX or email me at XXXX if youd like to discuss. 

Very best, 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 2024-12-16 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: SC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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