vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I fell victim to two multi-layered scam operations run by a person claiming to be from XXXX informing me that someone had been using my card which involved me making deposits for a total amount of XXXX USD from my TD account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — FHA 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: Freedom Mortgage Company
State: MO

Complaint narrative:
Freedom Mortgage was to complete a simple loan assumption for me due to a XXXX  about XXXX  years ago. I have paid the payment for the entire loan, about XXXX  years. All I needed to do was get my ex husband off the loan. The entire process which I've attempted over XXXX times in the past XXXX  years was convoluted, misleading, and there was no accurate communication from Freedom Mortgage Departments. They blamed internal data base issues, and other excuses for their data entry errors. They sent my personal information and data to the wrong mailing address after I called to verify the mailing address multiple times. They did not send me the correct correspondance about my account and the fact that after assumption my online account would be deleted, I would not be able to login, my payment would not be made, and all my information would be deleted. I called multiple times to try and understand how the payment would be made for XXXX. Today, the last day to pay, I had to spend XXXX XXXX XXXX on the phone all to find out I can no longer pay online and they just forgot to tell me about that and how all my payment history and statements would also no longer be available to me. Even tho I assumed a mortgage I've been on for the entire length of the loan. This makes no sense. This seems illegal, and there was nothing I did proactively to try to fix it that worked. There was nothing I could have done differently to fix this. It is misleading and seems illegal they would not disclose this info and then their mistakes would cause my payments to be not made ( had I not called them AGAIN today ). I've spent hours on the phone with them in the past month trying to address issues before they happen, they spent hours it seems to make the issues.

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 2024-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
My ex husband died on XX/XX/2024 and I had previously communicated with the mortgage company about sending the information to me prior to his death. They refused even after receiving a power of attorney stating I was not on the mortgage and not responsible and therefore not in privity of contract. 

After several instances of trying to pay the payment and communicate I was told that was the responsibility of his now power of attorney. 

After he died, we had a death and dismemberment insurance provision. They would not communicate with me about that. 

Now, the house was in non-judicial foreclosure and I have asked for additional time with the Court as well as a TPR until this matter is considered and handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: Early Warning Services, LLC
State: MD

Complaint narrative:
I am writing to inform EarlyWarningService that a p

olice report detailing unauthorized activities on my consumer report is attached herewith. The attached report clearly identifies hard inquiries, accounts, and addresses that are not associated with me. Pursuant to the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) policies, I assert my rights to accurate and verifiable information on my credit report. The inclusion of these unauthorized items on my credit report not only compromises my creditworthiness but also violates the FCRA, which mandates that consumer reporting agencies ensure the accuracy of the information they report. In accordance with CFPB policies and guidelines, I demand that EarlyWarningServices conduct an immediate and thorough investigation into the inaccuracies and discrepancies identified in the
attached police report. I expect EarlyWarningServices to adhere to the timeframes and procedures outlined by the FCRA in resolving disputes related to inaccurate information on consumer credit reports. It is imperative that EarlyWarningServices rectify these errors promptly to maintain the integrity and reliability of my credit report, as well as to comply with federal regulations governing consumer credit reporting.

Also, see attached dispute letter, drivers license, utility bill for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I have credit cards in collections with exorbitant balances!!!!!! 
Credit Cards that I don't own

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-15 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: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: SC

Complaint narrative:
Improper use of consumer report. Please review attachments.

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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, our business accounts were wiped out by a garnishment from the state of Maryland. The issue is, we are a North Carolina business and have never done business in Maryland. 

We called the law office in Maryland and found out this is a case of mistaken identity. They issued an order for XXXX XXXX XXXX in XXXX XXXX XXXX Maryland, but Bank of America garnished us, XXXX XXXX XXXX in XXXX XXXX NC. 

We have been given the run-around by customer service agents and managers and even branch managers so I am asking you for help. 

The money garnished was credited back to our account on Friday. We have not, however, received any formal communication ( explanation, apology, etc ) from the bank about this issue. We had to temporarily close our business on Thursday and part of the day on Wednesday to deal with this issue and because all of our sales were being immediately garnished. 

This issue has caused a hardship for us emotionally and financially and affected our creditworthiness with vendors who we couldnt pay during this time. In addition to any fees that were assessed, we would like to request compensation for lost revenue and inconvenience. 

We would very much appreciate a response as we feel like we deserve an explanation for how and why this happened to us.

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 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
They will remove the account for XXXX  days and then re add to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Letter of validation and request of 1099c was sent to company due to reporting of charge off. there was no 1099c sent to me nor did i give consent to furnish any data on my consumer report. it is illegal to report debt that suppose to be earned income to a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-15 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:
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 non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-15 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: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
I have submitted docuents that all my XXXX loans had been repaid prior to a XXXX loan conslidation and that 2 other loans issued by XXXX had been dischagrged in a a XXXX XXXX  bankruptcy and that the loans that should be in repayment are loans with a disbusment date of XXXX or higher with the expection of the XXXX XXXX and the total amount for the XXXX consolidation should be XXXX or only loans assocaited with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I have not recived a call or any correspomndeence fro the departpatment of education since my inquiry back in XXXX and subswuent inquiry as outinined in attachements There seems to an issue on wether the XXXXXXXX XXXX  werer Priviate/ Altertative loans the gurantor states that they are Priviate/ Altertative loans. However regaldless the bankruptcy judge listed them on the XXXX dischagre papers and adversary proceeding was not required or necesaary as I was only discharging the XXXXXXXX XXXX  which I contend were provaite/alternive how does the gurantor of said loans try to take one to count in XXXX for non payment of said loans XXXX and Dept of ed have yet to expain why a XXXX XXXX XXXX  that was never funded / canacleed appreas on the XXXX when I never excuted or requested a that loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: AES/PHEAA
State: IL

Complaint narrative:
I have submitted docuents that all my XXXX loans had been repaid prior to a XXXX loan conslidation and that 2 other loans issued by XXXX had been dischagrged in a a XXXX XXXX bankruptcy and that the loans that should be in repayment are loans with a disbusment date of XXXX or higher with the expection of the XXXX XXXX and the total amount for the XXXX consolidation should be XXXX or only loans assocaited with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I have not recived a call or any correspomndeence fro the departpatment of education since my inquiry back in XXXX and subswuent inquiry as outinined in attachements There seems to an issue on wether the XXXX XXXXs werer Priviate/ Altertative loans the gurantor states that they are Priviate/ Altertative loans. However regaldless the bankruptcy judge listed them on the XXXX dischagre papers and adversary proceeding was not required or necesaary as I was only discharging the XXXXXXXX XXXX  which I contend were provaite/alternive how does the gurantor of said loans try to take one to count in XXXX for non payment of said loans AES and Dept of ed have yet to expain why a XXXX AES loan that was never funded / canacleed appreas on the XXXX when I never excuted or requested a that loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: NY

Complaint narrative:
I am refiling this complaint to TRANSUNION for still allowing the fraudulent accounts on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

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 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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