vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
When my mortgage fell below what I paid for my home, I submitted a PMI deletion request. After the 30 day wait period, I contacted them asking for confirmation that it was removed. 

They informed me that they had concluded my LTV ratio was 88.6 % and that I could do a one-time payment of {$14000.00} to fall below 80 %. Based on these numbers, they value my home at {$160000.00}. This is less than I paid for it ( and I got a great deal at that when I paid {$160000.00} back in 2019. Their website says that I owe {$130000.00}. By numbers entirely gathered from them, I should have a LTV of 79.74 % and eligible for PMI removal. 

I asked to be escalated and was told that it could be up to two months to hear back from them. When I called their help line, I was told the PMI department did not have a contact info and that I should use the email given. I sent an email and only received back an auto-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 non-monetary relief
Consumer complaint received 2024-09-25 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:
I recently reviewed my credit report and noticed that incorrect information is still being reported by TransUnion, XXXX, and XXXX. Despite submitting multiple disputes, the inaccurate data has been repeatedly verified as correct. I have attached clear evidence that shows this information is wrong, and the failure to correct it violates the Fair Credit Reporting Act ( FCRA ), specifically sections 623 and 609. These provisions require that credit bureaus and data furnishers ensure the accuracy and integrity of the information they report. 

I am requesting that this incorrect information be removed from my credit report immediately. Continuing to report and verify inaccurate data without conducting a proper investigation is unlawful and negatively impacts my credit standing. I urge you to take corrective action and update my credit report to reflect the correct 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 non-monetary relief
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed that incorrect information is still being reported by XXXX, Experian, and XXXX. Despite submitting multiple disputes, the inaccurate data has been repeatedly verified as correct. I have attached clear evidence that shows this information is wrong, and the failure to correct it violates the Fair Credit Reporting Act ( FCRA ), specifically sections 623 and 609. These provisions require that credit bureaus and data furnishers ensure the accuracy and integrity of the information they report. 

I am requesting that this incorrect information be removed from my credit report immediately. Continuing to report and verify inaccurate data without conducting a proper investigation is unlawful and negatively impacts my credit standing. I urge you to take corrective action and update my credit report to reflect the correct 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 non-monetary relief
Consumer complaint received 2024-09-25 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: NV

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX TransUnion/ XXXX / XXXX Account Number : XXXX TransUnion/ XXXX / XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX TransUnion/ 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 2024-09-25 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: NV

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX XXXX/ Experian / XXXX Account Number : XXXX XXXX/ Experian / XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX XXXX/ Experian / 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 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon closely inspecting my recent credit report, I noticed several accounts that I believe are erroneous and were added without my authorization.

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 2024-09-25 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: GA

Complaint narrative:
I have disputed this account before regarding the late payments. I have contacted XXXX XXXX and they have stated that they have sold the account and no longer have any dealing with the account. 

This account does not reflect accurate 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 non-monetary relief
Consumer complaint received 2024-09-25 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: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX I saw that I was late on a payment on my XXXX  store credit card account. I called and asked for that late fee to be refunded, which they did, and I paid the remaining balance, or so I thought. What I didn't realized was that there was still {$1.00} left on my account -- I think b/c of interest. Yesterday I checked my account and saw that I my balance was up to {$94.00}, but I hadn't made any purchases. When I checked my account I saw that the company that issues the cards, Bread Financial, charged me {$89.00} in late fees on a {$1.00}. Today, XX/XX/XXXX I called and asked for all fees to be refunded. They refused at first, but still would only refund {$37.00}. Even though I said they would lose me as a customer over this. I escalated the conversation to a supervisor who continued to say they would only refund me {$37.00}, they refused to refund the other late fees, even though the late payment balance was only {$1.00}! I feel this is so predatory, I was stunned. They didn't care that I wanted to close my account, they simply refused to transfer me to anyone that could help and stated over and over again that I " didn't pay the entire balance '' of {$1.00} and they could only offer me {$37.00} refund and that was only IF I kept my account open. So I still owe {$50.00} some dollars of the account -- all in late fees on {$1.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-25 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: DE

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 explanation
Consumer complaint received 2024-09-25 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: EQUIFAX, INC.
State: WI

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 2024-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I have been contacted 3 times now by I.C. Systems regarding a supposed debt with XXXX. I was contacted on XX/XX/year> via text. I reached out to the company and told them I was disputing this charge as I had already addressed it with XXXX. I was told the collection would show on my credit report starting XX/XX/year>. I replied again that I was disputing the charge. 
I was contacted again today XX/XX/year> via text and I again reached out to reiterate that I was disputing the charges. I also reminded them that as the previous call was recorded ( I was told there were notes on my account to that effect ) and that I have not received anything by mail or been given any address to mail anything to, I have now responded in the same manner in which they contacted me to dispute the charge. Given that now both conversations have been recorded, they have my dispute of the charge on record and they continue to harass me and they have yet to show it as in dispute on my credit report. 
I addressed this supposed debt years ago with XXXX  directly and to my knowledge it had been resolved.

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 2024-09-25 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 have disputed this account before regarding the late payments. I have contacted XXXX XXXX and they have stated that they have sold the account and no longer have any dealing with the account. 

This account does not reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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 have disputed this account before regarding the late payments. I have contacted XXXX XXXX and they have stated that they have sold the account and no longer have any dealing with the account. 

This account does not reflect accurate 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 2024-09-25 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: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
I see items on my credit report that I dont recognize, suggesting my identity may have been stolen since I didnt authorize these accounts. Ive addressed this before, and Im urgently requesting their removal from my report, as theyre causing me significant stress. These accounts dont reflect my true credit history or financial behavior, making this situation difficult to manage. If we cant resolve this, Im prepared to pursue legal action to protect my rights. These inaccuracies are severely hindering my ability to achieve important financial goals, like buying a house and supporting my family. I hope we can address this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On numerous occasions, I have expressed to Equifax of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Equifax does not accurately represent the people if they are constantly furnishing inaccurate information without proof. Furthermore, I NEVER gave Equifax my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take the necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice for Each Violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
I am writing to formally dispute and demand immediate action regarding several inaccuracies and unverifiable items reported on my credit report. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to conduct a reasonable investigation into disputed information upon receiving notice of the dispute from the credit reporting agency .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I got a hard inquiry on my XXXX account through XXXX XXXX when I check my score went down and there was a capital one credit card opened under my name I talked to the bank and the credit bureau I believe my information got leaked when I check my XXXX account they put my old address and a different phone number associated with that card they opened accounts under my name and I want to get rid of the inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I filed XXXX XXXX bankruptcy on XX/XX/XXXX. I opened this account AFTER filing for bankruptcy. I opened the account on XX/XX/XXXX so therefore this is a post petition debt. The creditor reported to the credit bureaus that this account has been included in my bankruptcy which caused my score to drop XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/year>, Discover Finacial Services applied an unauthorized inquiry to my credit profile without my permission. I do not have an active or open account with Discover Finacial Services. I request that this inquiry be removed from my profile immediately and updated. In citing 15 U.S.C 1681N this matter will be corrected and updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I used a Destiny card, I used the card to make XXXX dollar purchase, they sent me a bill totaling {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company XXXX XXXX  sold my debt to lvnv collection agency XXXX of my debts. 
These debts are being paid by a third Party Agency XXXX XXXX, I had given to pay XXXX years earlier and were scheduled to pay that are part of XXXX XXXX XXXX have paid XXXX large accounts and XXXX  was next to pay.I have XXXX XXXX  accounts and XXXX is being paid monthly which leaves XXXX XXXX  accounts agreed at a lesser amount. 
This collection agency LVNV have negative effect on credit score after 2 years of repairing score with XXXX XXXX and should not have accounts in the first place XXXX ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with explanation