vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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 hope this email finds you well. I am writing to follow up on my previous communication regarding the removal of fraudulent items from my credit report. This marks the 2nd formal attempt to address this critical matter. 

Despite my initial request and subsequent efforts, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file 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 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 non-monetary relief
Consumer complaint received 2024-04-23 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:
I hope this email finds you well. I am writing to follow up on my previous communication regarding the removal of fraudulent items from my credit report. This marks the 2nd formal attempt to address this critical matter.

Despite my initial request and subsequent efforts, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity.

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Account closed on XX/XX/2024. Was told the check will be mailed within 30 days and didn't hear nothing. 
I had to ask repeatedly and they just reply back with copy and paste messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MI

Complaint narrative:
I am writing to dispute the accuracy of certain hard inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that are incomplete and inaccurate, which violates the Fair Credit Reporting Act ( FCRA ).

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.

As a result, I request the immediate removal of these inquiries from my credit report. 

The inaccurate information in question is as follows 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies not only affect my credit score but also hinder my ability to obtain credit or loans when necessary. As per the FCRA, consumers have the right to dispute inaccurate information on their credit reports, and I am exercising this right by bringing these discrepancies to your attention. 

I kindly request that Experian conducts a thorough investigation into the validity of these inquiries and removes them from my credit report promptly. Failure to do so would constitute a violation of the FCRA and could result in further action. 

Please acknowledge receipt of this dispute letter and provide a timeline for when I can expect a resolution to this matter. You can reach me at the contact information provided above if you require any additional information. 

Thank you for your prompt attention to this matter sincerely, 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 2024-04-23 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: LA

Complaint narrative:
Unauthorized inquiries on my credit report. 

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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NC

Complaint narrative:
XX/XX/year> i requested my items be updated and fixed on XXXX  and im currently waiting for a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: NC

Complaint narrative:
XX/XX/2024 i requested my items be updated and fixed on XXXX  and im currently waiting for a response.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
After thoroughly reviewing my credit report I have noticed two accounts reporting as a charge-off. The two accounts reporting were from ACIMA DIGITAL FKA SIMP. On XX/XX/2024 I mailed a letter to them requesting a copy of a 1099 form associated with my account. In the same letter I requested a copy of as a promissory note or any relevant documentation related to this account. On XX/XX/2024 ACIMA responded to the request stating that " a 1099-C is not appropriate as we have not performed a " cancellation of debt ''. In this letter they have also stated " some information we reported was inaccurate ''. On XX/XX/2024 I mailed out via certified mail my correspondence. I stated that they're in violation of 15 USC 1681S-2 ( a ) ( 1 ) ( a ) reporting information with actual knowledge of errors. I also requested in that letter a list of requested information from ACIMA DIGITAL FKA SIMP from their investigation. I requested a list of questions 1-10 of who investigated these accounts. I requested a notarized affidavit that their responses were true and correct. They have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After thoroughly reviewing my credit report I have noticed XXXX accounts reporting as a charge-off. The two accounts reporting were from XXXX XXXX XXXX XXXX. On XX/XX/2024 I mailed a letter to them requesting a copy of a 1099 form associated with my account. In the same letter I requested a copy of as a promissory note or any relevant documentation related to this account. On XX/XX/2024 XXXX responded to the request stating that " a 1099-C is not appropriate as we have not performed a " cancellation of debt ''. In this letter they have also stated " some information we reported was inaccurate ''. On XX/XX/2024 I mailed out via certified mail my correspondence. I stated that they're in violation of 15 USC 1681S-2 ( a ) ( 1 ) ( a ) reporting information with actual knowledge of errors. I also requested in that letter a list of requested information from XXXX XXXX XXXX XXXX from their investigation. I requested a list of questions 1-10 of who investigated these accounts. I requested a notarized affidavit that their responses were true and correct. They have failed to respond.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
A check was written to my landscape company, XXXX XXXX, via billpay for {$300.00}. It was stolen and cashed at XXXX XXXX XXXX. The payee was not who cashed the check. This was XX/XX/XXXX My bank, XXXX bank was contacted, it was investigated, and I received a letter from their without entry department resolving the claim on XX/XX/XXXX. 

I then received a collection letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX and received via mail XX/XX/XXXX. The collection said I bounced a check to XXXX XXXX. I sent, in writing, the facts and documentation that I did not bounce a check to XXXX XXXX  and provided my bank letter and the copy of the canceled check endorsed by someone other than the payee. I asked for, in writing, verification this was resolved. 

XX/XX/XXXX XXXX XXXX XXXX XXXX again sent a letter attempting to collect the same " debt ''. Again, I replied in writing. 

Today, XX/XX/XXXX it appears that they sold the collection to XXXX XXXX XXXX who sent me a collection notice today, with an increased amount of {$320.00}. 

I have contacted XXXX multiple times and have had no assistance. They asked me at which XXXX XXXX location the check was cashed. I provided the canceled check. No reply.

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 2024-04-23 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:
I hope this message finds you well. I am writing to follow up on my previous communication regarding the removal of charge-off accounts from my credit report. This marks the 2nd formal attempt to address this matter.

Despite my initial request and subsequent efforts, the charge-off accounts remain unresolved, adversely impacting my creditworthiness and financial standing. It is imperative that these accounts are promptly removed from my credit report to ensure its accuracy and integrity.

I urge you to take immediate action to rectify this matter and provide me with confirmation once the charge-off accounts have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$3600.00}.

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 2024-04-23 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:
I hope this message finds you well. I am writing to follow up on my previous communication regarding the removal of charge-off accounts from my credit report. This marks the 2nd formal attempt to address this matter.

Despite my initial request and subsequent efforts, the charge-off accounts remain unresolved, adversely impacting my creditworthiness and financial standing. It is imperative that these accounts are promptly removed from my credit report to ensure its accuracy and integrity.

I urge you to take immediate action to rectify this matter and provide me with confirmation once the charge-off accounts have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$3600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 non-monetary relief
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/2024 NELNET XXXX XXXX XXXX XXXX, OR XXXX Dear Nelnet, I am writing to bring to your attention an issue with the reporting of my student loan account. According to my records, the debt on my student loan has been SATISFIED, but it is still being reported as outstanding on my credit report. 

I request that you update your records and report to the credit bureaus that the debt on my student loan has been satisfied. 
I understand that errors can sometimes occur in the reporting of loan accounts, but it is important for my credit report to accurately reflect the status of my loan. I hope that you can correct this issue promptly. 

I would appreciate your prompt attention to this matter and confirmation once the changes have been made to my credit report. If you require any additional documentation or information from me, please let me know. 

Thank you for your assistance in resolving this issue. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I received an email back in XX/XX/XXXX from my credit monitor system notifying me that I was 60 days late on mortgage payments, dropping my XXXXXXXX  score to XXXX score. The servicer Planet Home Lending placed forced insurance and paid my property taxes. I called Planet Home Lending to inform them I was sending over my homeowner 's insurance information. I was already starting a five-year deferred payment program with the county assessor to pay the {$8900.00} XXXX XXXX late property taxes. I also told them I paid my XXXX second installment in XX/XX/XXXX. They told me I owed them {$17000.00} and to pay immediately or my account would go into collections. I requested a ledger or provided documentation of what has been paid or owed. At this point, I have received no mail or letter notifications of any forced insurance, taxes paid, or late mortgage payments. The following month, I emailed and called over 20 times to try to resolve this matter. Planet Home Lending rep informed me I now owed {$24000.00}, shut down my online account, and would not let me make any payment via the internet or over the phone. At this point, I started sending my mortgage payments through my checking account. Payments are on time on my end. I called numerous times for clarification or to request certified mail. I would get a rep in different departments who needed to learn what was going on in this matter, and they would transfer me to collections or refer me to email customer service, which only resulted in numerous auto-reply responses. I finally received a letter on XX/XX/XXXX about removing their forced hazard insurance. Planet Home Lending 's internal mitigation services are a complete nightmare. Planet Home Lending systematically ruined my credit, made payments on my property taxes without notifying me by mail or email, and threatened to foreclose on my property while causing anxiety and stress. 

I have attached screenshots of the email communication.

Company response to consumer: Closed with explanation