vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-17 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and request the removal of specific accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts, listed below, were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The affected accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$95.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$400.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA.

Law 15 USC & 1692c states : If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I was Notified by Home Depot on XXXX 2024 of fraud {$1100.00} by text message and email. I Contacted by the number provided and reported fraud. Issued new card. Card was not lost or stolen. I have not used it since early 2024. Charges are now {$1400.00} plus {$29.00} late fee. Contacted Home Depot fraud department with no resolution. Have now written to Home Depot as well. Statement says charges were to Home Depot warehouse. I contacted the state attorney generals office and was referred to this agency. 

On XX/XX/XXXX I went to the Home Depot in XXXX RI and used my XXXX card for a {$9.00} purchase of leaf bags. I put my phone number in for my Home Depot Veterans discount which seems to have triggered the fraud.. I am a 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 2024-12-17 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Please describe below the nature of your complaint or inquiry. I have a failed balance transfer of {$4500.00} and the funds appear to be missing since XXXX XX/XX/XXXX. I suspect it is due to fraud or due to USAA Federal Savings Bank. On XXXX XX/XX/XXXX, I requested a balance transfer be completed to remove {$4500.00} from my USAA Federal Savings Bank credit card and be applied to my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX submitted a check to USAA addressed to : USAA XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XX/XX/XXXX, the check was cashed, and the back of the check was stamped as such : XXXX XXXX XX/XX/XXXX XXXX  of XXXX Endorse XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I contacted USAA XXXX XXXX XX/XX/XXXX, and opened a case with USAA because there wasnt a change on my credit card balance. USAA gave me a credit of {$4500.00} while they investigated the matter. On XXXX, USAA sent me a letter stating that they are not liable for the incident and placed back the credited funds of {$4500.00} back to my USAA Credit Card.

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 2024-12-17 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my concerns remain unresolved. This ongoing inaccuracy is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$220.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days Creditor Remarks : Canceled by credit grantor Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX are inconsistent with my payment history. Records from other bureaus and my own financial documentation confirm that these payments were made on time or do not align with the reported delinquency. 
Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. 
Additionally, creditors must provide periodic statements at least 21 days before payment is due, as per 15 U.S. Code 1666b. 
TILA Violations : The inaccurate reporting of late payments undermines the Truth in Lending Acts mandate for accurate disclosures. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint to relevant regulatory agencies, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary. 
Thank you for addressing this matter urgently. 
Sincerely, 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 2024-12-17 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES ( XXXX XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ XXXX  ] PORTFOLIO RECOVERY ASSOCIATES RE : Formal Dispute of Debt Request for Validation and 1099-A Original Creditor : XXXX XXXX XXXX  XXXX, XXXX. 
Account Balance : {$410.00} Balance Updated : XX/XX/year> Dear PORTFOLIO RECOVERY ASSOCIATES, I am writing to formally dispute the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ). I request immediate validation of this debt, including : Full proof of ownership of the debt, including a copy of the original agreement with XXXX XXXX XXXX  XXXX, XXXX. 
An itemized statement showing how the amount of {$410.00} was calculated. 
Confirmation if this debt has been canceled or forgiven, along with IRS Form 1099-A if applicable. 
Any attempt to collect this debt without proper validation constitutes a violation of federal law. I also request that you cease all collection efforts, including credit reporting, until my request has been satisfied. 

Please respond in writing within 30 days. Failure to comply will result in formal complaints filed with regulatory agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Southwest Business Corporation
State: FL

Complaint narrative:
**SWBC paid {$850.00} to XXXX XXXX XXXX XXXX XXXX XX/XX/year> for my annual flood insurance renewal. No problem. 
**SWBC paid {$570.00} to XXXX XXXX XXXX XX/XX/year> for flood coverage. THIS POLICY WAS NOT PROCURED, NOR AUTHORIZED BY MYSELF. It was issued without my knowledge by my Homeowners Insurance Agent, XXXX XXXX. 
**SWBC paid {$1300.00} to XXXX XXXX XXXX XX/XX/year> to increase coverage on the UNAUTHORIZED policy. 
**SWBC paid {$850.00} to XXXX XXXX XXXX generating a duplicate payment for the previously renewed policy, as they did not bother to verify that it had been previously paid. Now Im being held responsible for collecting and redepositing these funds back in escrow so as to avoid an increase in my mortgage payment for the following year.

I didnt discover any of this sooner because my online portal is deactivated due to my recent bankruptcy, although my loan was reaffirmed over two weeks ago.

This is not the first time I have a problem with my escrows at SWBC. Kindly advise who regulates/audits them so they can be informed of the multiple irregularities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy listed on my credit report. I have a court-issued letter that clearly confirms this bankruptcy should not have been reported to your agency. Despite this official documentation, the bankruptcy remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
The Department of Education required updated income details to be submitted by XX/XX/XXXX as payments resumed after the COVID payment pause. Under threat of increasing my payment to the standard 10 year amount, I did what I was told. Submitting these details resulted in two problems. 1 ) my payment was calculated without considering my spouse 's income, resulting in a doubled payment amount and 2 ) the deadline requiring this information to be submitted was then extended to XX/XX/XXXX and a release ( see https : //studentaid.gov/announcements-events/idr-recertification-extended ) was put out describing that those whose payments were increased would have their payment amount reverted to the prior amount. Those whose deadline was extended to XX/XX/XXXX were later extended to XX/XX/XXXX by President Biden. 

The first problem was corrected before XXXX with much effort on my part. The second issue was not corrected. I have spoken to countless agents. Most of them have said that " many payments '' have been returned to their prior amount and that it's only a matter of time until this has been done for me. Applications have been submitted numerous times but overall, nothing has changed. Over the last 9 months, I have attempted to work closely with Mohela and the Department of Education. 

Many agents have promised that my payment will be returned to {$0.00} and nothing has been done. I have been patient. I have provided proof of what my prior payment was. I have been patient with the transition process from Mohela and the Dept of Ed. I now call every 2 weeks and they put my account into administrative forbearance without actually fixing anything. This has become ridiculous. They need to follow through on their promises and stop misleading me. Happy to provide documentation as desired but this entire painstaking process should be well documented in their systems. 

My husband, in this exact situation but with loans managed by XXXX just had his payment reverted to {$0.00} after 9 months of labor and a CFPB complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Ive made payment online for affirm loan for payment plan to purchase items. I made payment but affirm company has not provided any details on payment to the credit bureau experian and says that they are accurate with the information. I dispute this claim with experian and all they ( affirm ) says to experian is that the information is accurate. Its XXXX! 

Please file a lawsuit against affirm for their blatant lies. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX 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 2024-12-17 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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