vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: PNC Bank N.A.
State: CA

Complaint narrative:
all throughout XXXX, filed one hardship request after another. Filed multiple appeals. PNC would continue to call or email my ex husband, not me, although I am the primary borrower on the loan. Notices would be mailed to him, not me, although I am occupying the residence as I confirmed multiple times. They filed and NOD in the middle of us trying to have the hardship approved. We received a final denial stating we did not prove " reduced income '' although we submitted substantial proof of less income, in writing. Black and white. 
Upon final denial, we called to reinstate the loan on XX/XX/XXXX. We were told an " estimated amount '' but not an actual figure. I tried to make the payment online and over the phone. Nobody would accept funds. On XX/XX/XXXX, I was told the figures would be mailed within XXXX days. I continued to follow up each week, and still nothing. I was assured there was no sale date set, and to be patient and wait for the figures. On XX/XX/XXXX, i called again and was told to call at the end of the week if nothing arrived in the mail. On XX/XX/XXXX, I received the statement and wired funds on XX/XX/XXXX. The trustee 's office confirmed receipt of funds. I requested that they withdraw or rescind the NOD and they said the would within XXXX weeks. 
Today, XX/XX/XXXX, I awoke to Notice of Trustee Sales plastered across the front of my house, showing a sale date of XX/XX/XXXX. 
Why did the f/c activity continue when i have been trying to send funds for almost a month? The reinstatement letter showed I had until XX/XX/XXXX to make the payment, yet the notice was filed anyway. 
We tried multiple times to come to a resolution for the last year, and were denied for lack of proof, which was provided multiple times. 
This lender does not care about homeowners, hardships, or keeping families in their homes ... each reply we ever received was only offering to let us surrender the home. 

How can I be sure the house will not be auctioned even though I sent my funds? the XXXX was filed despite my efforts and payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: WV

Complaint narrative:
Experian XXXX XXXX XXXX, XXXX, TX Subject : Dispute of Unauthorized and Inaccurate Information Dear Experian Dispute Department, I hope this letter finds you well. I am writing to formally dispute certain information on my credit report that I believe to be inaccurate and unauthorized Upon reviewing my credit report, I found the following item ( s ) that I am disputing : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C. 1681b is part of the Fair Credit Reporting Act ( FCRA ), which regulates how consumer credit information is collected, shared, and used. Specifically, 1681b outlines the permissible purposes for which consumer reporting agencies may furnish consumer reports These items are unauthorized and unverifiable I kindly request that you investigate these discrepancies and provide a corrected version of the report. I believe that addressing these issues is crucial for maintaining the integrity of the information and for ensuring that all parties involved have accurate data. 

Please let me know how you plan to address this issue. I am hopeful for a prompt resolution and am happy to provide any additional information you may need during your investigation. 

Thank you for your attention to this matter. I look forward to your response.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX stated that the company that reported the information-public record has been certified that the information is correct. I want a description of the procedure used to determine the accuracy and completeness of the information. The business name and address of any further information contacted and the phone number of such furnisher, or of any furnisher of information that contacted the consumer reporting agency, in connection with such 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX stated that the company that reported the information-public record has been certified that the information is correct. I want a description of the procedure used to determine the accuracy and completeness of the information. The business name and address of any further information contacted and the phone number of such furnisher, or of any furnisher of information that contacted the consumer reporting agency, in connection with such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Request to withdraw credit application Dear Synchrony Bank, CFO XXXX XXXX XXXX, I hope this message finds you well. I am writing to formally express my written and affirmative desired for an extension of my principals credit. I was recently denied an extension of my principals credit and this letter is a request of withdrawal of my credit application submitted on XX/XX/year>. Please confirm the retraction of my application within 3-5 business days after receipt. If you refuse to do so, I am demanding that you send me the Care Credit Card that the Collateral Security Application was for in the amount of XXXX XXXX XXXX ( {$30000.00} ) as requested. 
Sincerely XXXX, XXXX XXXX ( agent ) XXXX XXXX ( principal ) XXXX ( XXXX ) XXXX Application Reference # XXXX I requested to withdraw my application from synchrony bank because I am being discriminated against although I have the capacity to contract. I have stated and sent in a Power of Attorney that I am able to contract. They have not responded nor withdrawn my application which would indicate my collateral security application has been accepted but I have not received a benefit in good faith.

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 2025-01-13 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-13 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute inaccurate information that appears on my credit report. This letter also serves to notify you of potential violations of laws related to credit reporting practices Details of the Inaccurate Account : Account Name : XXXX XXXX XXXX XXXX Number : ] Reported Balance : {$950.00} The information reported regarding this account is incorrect. wrong account ownership, This misreporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and up-to-date information I am requesting that you conduct a detailed investigation into this matter and take immediate steps to correct or remove the inaccurate information from my credit report. Furthermore, I urge you to review your processes to ensure compliance with all applicable laws governing credit reporting Enclosed are copies of relevant documents that support my claim. Please provide me with confirmation of receipt of this dispute and an update on the actions taken. Additionally, I would appreciate a copy of my corrected credit report once the investigation is complete Thank you for your prompt attention to this serious matter. I look forward to your swift response to resolve these inaccuracies Sincerely

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 2025-01-13 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: CA

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, XXXX failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For whoever it concern this accounts were never authorized and late payments were never late...

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 2025-01-13 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: MI

Complaint narrative:
Dear Experian, I am writing to inform you that I am a victim of the data breach that occurred as a result of the high-risk security incident involving your company. In accordance with 15 U.S.C. 1681c-2 ( a ), I am requesting that all accounts related to my personal information be blocked and deleted from your records to protect me from potential harm or fraud.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This entire situation has been incredibly frustrating and overwhelming. To wake up one day and discover a debt I know nothing aboutunverified and clearly not minehas been both shocking and distressing. On top of that, being bombarded with harassing communications from various platforms and receiving threats of legal action has made this experience unbearable. As a law-abiding individual, it is deeply insulting to have my rights as a consumer so blatantly disregarded. This ordeal has taken a significant toll on my mental health, leading to sleepless nights and constant XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
I recently reviewed my credit report and identified several items that I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the information. 

I request that you investigate the following items and take immediate action to correct or remove them if they can not be verified : 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 Please complete your investigation and notify me of the results within 30 days of receiving this letter, as required by the FCRA. Once the disputed items are modified or removed, kindly send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Should you require any additional information, please feel free to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
I recently reviewed my credit report and identified several items that I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the information. 

I request that you investigate the following items and take immediate action to correct or remove them if they can not be verified : 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 Please complete your investigation and notify me of the results within 30 days of receiving this letter, as required by the FCRA. Once the disputed items are modified or removed, kindly send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Should you require any additional information, please feel free to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I financed a vehicle with Ally Financial and paid it off 10 years ago. I recently tried to sell the vehicle and the DMV informed me that Ally Financial still had a lien on it. I have talked to t

hem 6 or 7 times for the past 4 weeks and they haven't been able to find a solution, they keep asking me to contact different departments after spending hours with them on the phone and they have even hung up on me once after I demanded an email address so I could send the request in writing since calling them multiple times had not resolved the issue. I also asked to speak to a supervisor multiple times and there was never one available.

ON THE NEXT PAGE THE SYSTEM ASKS FOR AN ACCOUNT NUMBER. I DON'T HAVE AN ACCOUNT NUMBER BECAUSE THE CAR WAS PAID OFF 10 YEARS AGO. THEY CAN'T EVEN FIND ME WITH MY SSN. I WILL PROVIDE THE REFERENCE NUMBER THEY GAVE ME WHEN I CONTACT THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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