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

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-12-12 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: IL

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: ProCollect, Inc.
State: MS

Complaint narrative:
XXXX PROCOLLECT INC is reporting the above account on my consumer report as a collections account. I have already refused to pay this account off. By law, PROCOLLECT can not continue to collect on this debt per MISSISSIPPI 'S 3 year statue of limitation law when it comes to collect on a debt. This account exceeds the 3 year limit. Therefore it can not be collected. I have sent PROCOLLECT a cease and desist previously, demanding to stop all communication with me including to stop reporting this account on my credit report. I demand that this account be deleted from my credit report within15 days or i shall move to more legal actions.

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 2024-12-12 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: NJ

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered A fraudulent account that I did not authorize. This account is not mine, and I have no connection to it. This inaccurate account is negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of this fraudulent accounts from my credit report. 
Thank you for your prompt attention to this matter. 

XXXX Account # XXXX 15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I believe that I signed up for a predatory loan with One Main Financial due to my financial illiteracy. I needed help while in a bind, and signed up for a loan at a predatory rate of 35.99 %. They said this was due to my credit score. I borrowed a total of {$5300.00} starting XX/XX/year>, and have yet to miss a payment. I have XXXX years left on this plan, and I have paid over {$7000.00} back. Almost {$2000.00} more than what I have originally borrowed. 


The plan is constructed as followed : ANNUAL PERCENTAGE RATE : 35.99 % FINANCE CHARGE : {$5500.00} AMOUNT FINANCED : {$5300.00} Total Payments : {$10000.00} Is there a way I can save myself from continuing this loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: Idaho Housing And Finance Association
State: CT

Complaint narrative:
I was given a repayment plan which I am grateful for however I called HomeLoan to let them know that I have a concern regarding the wording of the letter. The letter states that if the payment is not received by the XXXX the plan fails. I advised the rep that, that is not what I was told. I was told that it has to be paid within the month and that it can not go past the month and that it would accrue a late fee. My payments are biweekly which the rep asked how I received my payments and even asked when I would be making my payment. It was never communicated that it had to be by the XXXX so i feel that I was not counseled properly. I made my calendar for payments from what I was advised. I was told that it states in the letter when the payments have to be made and I advised that i do understand however the letter came after I made the phone call to get the payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

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 2024-12-12 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: SC

Complaint narrative:
After receiving a letter from my local hospital informing me that my personal information has been exposed in a data breach, several different names, addresses and inquiries appeared on my credit reports. I would like to have this information corrected so that I am able to have a piece of mind without worrying that someone is going to have access to my personal information. 

No action has been taken by the company at this time. I have reached out and submitted letters to the credit bureaus and have not received any response from them. 

Inquiries XXXX XXXX XXXX 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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within 15 days. Attached are the relevant documents for your reference.

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 2024-12-12 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 am filing this complaint against XXXX and Experian for inaccuracies in the reporting of my XXXX XXXX account ( Account # XXXX ). The payment history and other account details on my credit report contain several inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The payment history for XXXX reflects consistent 120-day late payments from XX/XX/XXXX to XX/XX/XXXX, which is impossible given the account was charged off as of XX/XX/XXXX. Experian reflects payments that transitioned from 120 days late in XX/XX/XXXX to 60 days late in XX/XX/XXXX. This regression of lateness is illogical and inaccurate. The account is marked as " Charged Off as Bad Debt '' as of XX/XX/XXXX, yet XXXX and Experian report active delinquency afterward, which contradicts the account being written off. XXXX lists the " Date Last Active '' as XX/XX/XXXX, while Experian has XX/XX/XXXX. These dates should be consistent. The " Date of Last Payment '' is recorded as XX/XX/XXXX, which conflicts with the delinquent payment history reported in XXXX. XXXX has no reporting for this account, further highlighting a lack of uniformity across the credit bureaus. These reporting errors are not only misleading but are detrimental to my credit score. Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and verifiable. The discrepancies in the payment history, account activity dates, and charge-off status demonstrate a failure to meet this standard.

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 2024-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
To : XXXX XXXX. NewRez ( XXXX ) On XX/XX/year>, XXXX XXXX XXXX approved my XXXX XXXX XXXX and Personal Property Tax relief from XX/XX/year> - XX/XX/year>. 
As per Newrez 's instructions, I mailed a copy of this approval to Shellpoint Mortgage Servicing. At that time, Newrez had paid the County from my escrow account, the amount corresponding to the first semester of Real Estate Taxes on the property. 

In XXXX I had to pay the taxes included in my monthly mortgage payment, which caused a surplus in my escrow account. 
From XXXX to XXXX the value of the taxes was excluded from my monthly payment according to the relief. Now in the XXXX payment, I do not understand why, NewRez includes the taxes in my mortgage payment, having the relief until XX/XX/year>. 

The County reimbursed the funds paid for the first semester, to the XXXX XXXX XXXX XXXX firm on XX/XX/year> according to the information provided to me by the County.

I have not yet received the refund of these funds and the reason you give me is that you do not have the letter of approval for the tax relief. How were the taxes excluded from my monthly payments if you did not have that letter? 

For the fourth time, I am attaching the following documents : 1.- Letter of approval for 100 % relief from Real Estate Taxes for the year XXXX 
2.- Real Estate Bill from XXXX XXXX XXXX confirming the relief from paying Taxes.

3.- Letter to Shellpoint Mortgage Servicing sent by mail, informing them of the approval of the Tax relief. XX/XX/year>. 
4.- Fax sent to the Newrez Tax Department XXXX XX/XX/year>, with the copy of the relief approval letter and the information of the refund made by the County of the tax payment for the first semester of XXXX  made to XXXX XXXX XXXX XXXX made on XXXX XX/XX/year>, for {$1100.00} with check # XXXX. 
5.- Again, the Newrez Tax Department requests that I send them the relief approval letter and I attach the Real Estate Bill of my property for the year XXXX where the XXXX balance for the payment of Taxes is confirmed. 

In this situation, I am forced to pay my XXXX Mortgage payment with taxes included. 

I request an explanation of how it has taken so long to clarify this situation and errors continue to be made. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Im getting {$29.00} overdraft fees on my account even though Im not spending anything and I have no subscriptions so theres no reason they should be taking money out of my account. Its not the first time this has happened with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dispute of Inaccurate Credit Information and Request for Immediate Rectification XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Connecticut XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX | XXXX Addressed To : XXXX, XXXX, and TransUnion Credit Reporting Agencies I am writing to express my deep concern and frustration regarding the failure of your organization to update my credit files for an unprecedented XXXX months. This inaction has caused me significant financial losses and challenges, particularly when attempting to purchase a house with XXXX XXXX. Due to the outdated credit information, I have been unable to accurately access my credit reports from all three bureaus, leading to numerous difficulties in managing my finances. I have been in regular contact with each of your organizations, XXXX, XXXX, and TransUnion Credit Reporting Agencies only to be met with uncooperative offshore agents who hung up on me and redirected me to automated systems. I am extremely dissatisfied with the lack of progress and resolution. I demand that your organization immediately rectify this situation by updating my credit files within the next 14 days. Failure to do so will necessitate legal action, which I am prepared to pursue. I expect a prompt response and resolution to this dispute. I have attached a copy of my identification and proof of address for your reference. Please confirm receipt of this letter and provide a detailed plan of action to rectify this situation. 

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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Dispute of Inaccurate Credit Information and Request for Immediate Rectification XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Connecticut XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX | XXXX Addressed To : Equifax, XXXX, and XXXX Credit Reporting Agencies I am writing to express my deep concern and frustration regarding the failure of your organization to update my credit files for an unprecedented XXXX months. This inaction has caused me significant financial losses and challenges, particularly when attempting to purchase a house with XXXX XXXX. Due to the outdated credit information, I have been unable to accurately access my credit reports from all three bureaus, leading to numerous difficulties in managing my finances. I have been in regular contact with each of your organizations, Equifax, XXXX, and XXXX Credit Reporting Agencies only to be met with uncooperative offshore agents who hung up on me and redirected me to automated systems. I am extremely dissatisfied with the lack of progress and resolution. I demand that your organization immediately rectify this situation by updating my credit files within the next 14 days. Failure to do so will necessitate legal action, which I am prepared to pursue. I expect a prompt response and resolution to this dispute. I have attached a copy of my identification and proof of address for your reference. Please confirm receipt of this letter and provide a detailed plan of action to rectify this situation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation