vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
During a review of my credit report, I spotted some billing mistakes. The listed late payments are inconsistent with my normal payment habits. Please rectify these issues and update my account accordingly.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
During a review of my credit report, I spotted some billing mistakes. The listed late payments are inconsistent with my normal payment habits. Please rectify these issues and update my account accordingly.

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 2024-12-28 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: MA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-28 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: MO

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Upon reviewing my consumer disclosure report, I have identified several negative accounts being reported without my knowledge or consent. I am requesting that you promptly furnish copies of any ( signed agreements ) or ( contracts ) between me and the banks associated with these accounts to verify their legitimacy.

If you can not provide the requested documentation, I demand that these accounts be removed from my record immediately, as they were reported without proper authorization. and a clear violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cashapp/Block Inc. closed my dispute claiming no error had occurred, when in fact an unknown person stole my wallet and phone. I am a victim of a criminal act that I had NO control over! The XXXX XXXX  XXXX  confirms I was targeted by an unknown female. The suspect has not been located. It has now been 8 months. You are breaking the FTC law and
CRM code. I want my own money back. XXXX XXXX XXXX states that you ( cashapp/Block ) are covered and should be reimbursing me as they refuse to do so. READ the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
Here 's a rewritten version of your text : I closed on my first home on XX/XX/XXXX. Shortly after, during the summer of XXXX ( XXXX ), my loan was transferred to a new servicer. I received a bill for {$0.00}, which led me to believe I had made my first payment early. However, in XXXX, I received a letter from the VA stating I was in default. Confused, I called the loan company to inquire how I could be in default despite making my payments. They explained there was a new computer system in place and told me to disregard the letter, though they did acknowledge one missed payment. They then transferred me to another department where we made an arrangement. My first payment was set for XX/XX/XXXX, for {$3600.00}, followed by payments of approximately {$2500.00} until XXXX. Later, I checked to ensure my payment obligations were met and discovered another alarming balance of around {$5600.00}. After contacting customer service, I learned I had missed two payments, which canceled my original arrangement. They advised me to reach out to my bank. I contacted my bank, XXXX XXXX XXXX XXXX, and they provided me with PDFs of the transactions, along with a trace ID. When I called Mortgage Solutions Financial, they stated I only owed {$200.00}. I disagreed, explaining I had fulfilled my obligation through an auto-draft set up by their employee. They put me on hold, only to return with news that I owed the full amount for XXXX. I then contacted the VA, who advised me to request a payment audit and submit a complaint. They noted that the servicer was supposed to inform the VA about my payment status. As of our conversation on XX/XX/XXXX, they reported that my loan agreement had been fulfilled, contradicting the information I received from the servicer. 
I have also checked several times for a status and hadnt received update

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 2024-12-28 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: PA

Complaint narrative:
Hard inquiries I did not authorize XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Data breach leaked my personal information and i have been trying ti clear all the fraudulent credit cards address names employer info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
Data breach leaked my personal information and i have been trying ti clear all the fraudulent credit cards address names employer info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
EXETER FINANCE, is reporting three different total amounts owed, which is inconsistent and damaging to my credit profile. This discrepancy is negatively affecting my livelihood and ability to secure financial opportunities.They reported to XXXX that the total balance owed is {$33000.00}. Exeter Finance reported to XXXX and XXXX that the total owed is {$33000.00}. Exeter Finance reported to XXXX that there are 3 late payments. Exeter finance reported to XXXX that there are 5 late payments. Exeter Finance reported that there are 4 late payments to XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report ( 15 U.S.C. 1681e ( b ) ). This error violates my rights under this law. Additionally, creditors must provide accurate updates to credit bureaus under 15 U.S.C. 1681s-2 ( a ) .This error has caused undue hardship by lowering my credit score and impeding my ability to access necessary resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I was discharged from a XXXX bankruptcy XX/XX/XXXX. I called to Nationstar/MrCooper and asked questions concerning my account since I'm no longer in bankruptcy. My home was never included in my XXXX. However, as of XX/XX/XXXX on my XXXX credit report its not reflecting that I have an active mortgage account. But it does show that the account was reported by Nationstar/MrCooper as closed.

This company needs to get their heads out of the four points of contact and do right by the customers and their accounts. I'm sure there are laws protecting consumers and their rights when it comes to situations like this. They're going to lie and say we did report to XXXX. They would be lying. 

I have took photos and printed out my report as proof and also have a bank printout of monthly mortgage payment made to this company. I've had this loan with them after refinancing since XXXX to present day. 

They are not reporting payments I have made since they've acquired the loan. I'm sure I'm not the only one complaining about this company and its practices. And I have a right to say that this company needs to be investigated seriously. I can be reached at XXXX. Since it's closed give me the title to my house. Companies need to be held accountable for their actions. They'll hold me accountable. So, as a consumer, I will fight back every time something happens of this nature. And all three credit bureaus need to be updated from the time they acquired the loan XXXX to present day. This is unfair work pratices and ethnics as a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-28 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-28 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers.

Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records.

Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report.

Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim.

If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 

Best regards 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers.

Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records.

Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report.

Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim.

If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 

Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
Requested update to credit reports to reflect current closed and XXXX balance status of account has not been made. XXXX, to date, has only updated XXXX and XXXX with accurate information while Transunion continues to erroneously report the account as open with a current balance. 

XXXX stated they provided updated account information of a XXXX balance, in response to CFPB complaint, to Transunion as of XX/XX/year>2024.

However, Transunion credit report still reflects an open account with a balance as of the date of submission of this 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 2024-12-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX {$28000.00} I looked at my Experian and XXXX report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-12-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are errors on my credit report concerning 15 USC 16c-2. I did not authorize the listed inquiries, and this inaccurate information negatively impacts my credit. Kindly remove all unauthorized hard inquiries.

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 2024-12-28 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: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief