vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: TX

Complaint narrative:
Its outrageous that accounts in litigation are still on my credit report, damaging my credit score due to your inaction. Ive reached out repeatedly to correct this error, yet no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
Re : Demand for Deletion of Inaccurate Information in My Consumer Report To Whom It May Concern : I am writing to formally demand the deletion of inaccurate information being reported on my consumer file maintained by TransUnion. Specifically, I have identified erroneous information being reported by XXXX Bank that violates several provisions of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting includes mismatched addresses, phone numbers, and incorrect employment information. 
Under 15 U.S. Code 1681s2, Responsibilities of furnishers of information to consumer reporting agencies, XXXX Bank is prohibited from reporting any information to a consumer reporting agency if they have actual knowledge or reasonable cause to believe that the information is inaccurate. Additionally, under section ( a ) ( XXXX ) ( B ), if the consumer has notified XXXX Bank of inaccuracies, they must correct or delete the erroneous information. 
I have already informed XXXX Bank of these discrepancies and have provided them with the necessary evidence to demonstrate the errors. However, they continue to report inaccurate information, in violation of their duties under the FCRA. 
Furthermore, TransUnion is obligated under 15 U.S. Code 1681e, Compliance Procedures, to maintain accurate and up-to-date information in consumer reports. By continuing to report this erroneous information from XXXX Bank, you are in violation of this provision as well. 

The specific inaccuracies on my consumer file include : Incorrect address information Mismatched phone numbers Inaccurate employment details as reported by XXXX Bank TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of consumer information. By failing to delete the inaccurate information provided by XXXX Bank, TransUnion is in violation of its legal obligations under the FCRA.As you are aware, continued reporting of inaccurate information is damaging to my credit, and as such, I demand that you immediately investigate this matter and delete the incorrect information from my file. I also request that you provide written confirmation that these inaccuracies have been removed, as well as a copy of the corrected consumer report. 

Please treat this as a formal notice under the FCRA and immediately correct the errors. If you fail to resolve this issue, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies available under the law.I look forward to your prompt action on 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Stellantis Financial Services US Corp.
State: SD

Complaint narrative:
Recently I leased a XXXX  XXXX XXXX XXXX XXXX and was told that I would be able to get authorization/permission letter to take the vehicle to XXXX where I am also a resident. I was told this would happen after the lease is originated and account is opened. That is not the case however the company Stellantis Financial has no written policy on XXXX permission after further guidance from customer service. I had counsel send a letter and SFS counsel is responding now. After further review with dealerships in over 10 states they all told me I could take the vehicle to XXXX without an issue. After further investigation I also found out that SFS is able and offering incentive to those that live in XXXX providing better terms to non-white and non-US Citizen borrowers at better terms than they do to the same well qualified borrower who is a US Citizen creating a multi-state fraud scheme to meet guidelines of CRA or other requirements. The company has legal counsel involved now who is trying to stop me from complaining and continuing to let the public or agency 's know about the fraud scheme.

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 2024-11-23 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-23 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: TN

Complaint narrative:
Potential FCRA Violations or Reporting Issues : Inconsistent or Contradictory Data : The reporting contains discrepancies in the following fields : Date of Last Activity : Two conflicting dates, XX/XX/2024 and XX/XX/2024.

Date Reported : Two different reporting dates, XX/XX/2024 and XX/XX/2024.

Closed Date : Two conflicting dates, XX/XX/2024 and XX/XX/2024. 
This is a violation of FCRA standards requiring accurate and consistent reporting. 
Ambiguity in Account Description : The account rating and status ( " XXXX '' ) are unclear and do not follow standard terminology. This could mislead users and is a possible violation under FCRA for failing to provide clear, understandable information. 
Dispute Marking : The status shows both " Account not disputed '' and " Account information disputed by consumer. '' This inconsistency suggests either the creditor or credit reporting agency failed to update the dispute status properly, a violation of FCRA Section 623 ( a ) ( 3 ). 
Lack of Supporting Details : Missing key fields such as : Payment history Last payment date Term length Past due amount Incomplete data violates the FCRA requirement for furnishing complete and accurate information. 
Collection Status : The account is reported as " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' If you have disputed this or if the information is inaccurate, the creditor is obligated to correct or remove the entry. 
Original Creditor Issue : The original creditor is listed as " XXXX XXXX, '' but there is no indication of validation of the debt. If this debt was sold or transferred, you have the right to request proof of assignment or validation under the Fair Debt Collection Practices Act ( FDCPA ).

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 2024-11-23 00:00:00
Product: Mortgage — Conventional home 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: Selene Holdings LLC
State: MI

Complaint narrative:
Selene Finance [ Address ] [ City, State, ZIP Code ] XX/XX/2024 To Whom It May Concern, I am writing to announce that I am filing a substantial complaint against Selene Finance with the Better Business Bureau and the Consumer Finance Protection Agency. Your despicable treatment of customers, including myself, is beyond unacceptable and warrants immediate action. 
Your predatory lending practices are appalling. You set customers up for foreclosure without proper notification, cheat them out of their payments, and take advantage of their situations. It is clear that Selene Finance operates with the sole intent of driving homeowners into foreclosure for no valid reason, making it impossible for them to keep their homes. 
I have irrefutable evidence of Selene Finance 's unethical and possibly illegal actions. These include the unjust cancellations of homeowners insurance, the rejection of payments without explanation, and manipulative tactics designed to force customers into foreclosure. This pattern of behavior is nothing short of criminal, and I am demanding law enforcement to launch an investigation into your practices. 
Your companys sole purpose seems to be to make customers suffer and lose their homes, with complete disregard for their financial stability and well-being. This is intolerable, and it must be stopped immediately. The volume of complaints from other customers who have suffered under Selene Finance is overwhelming and indicative of a systemic issue. 
Here are just a few examples from the SELENE FINANCE COMPLAINTS XXXX XXXX : XXXX XXXX : " Just found out that they canceled my homeowners insurance. '' XXXX XXXX : " My mom has sent several payments to Selene and they sent them back. Now they are foreclosing! WHY????? '' These testimonials are just the tip of the iceberg. Your actions are not only unethical but are also causing real harm to real people. This behavior is a clear indication of your predatory lending practices and your blatant disregard for your customers ' lives. 
I demand that you cease these predatory practices immediately and begin treating your customers with the respect and fairness they deserve. This is a formal notice that your actions are under scrutiny, and I will not hesitate to pursue every possible avenue to ensure justice is served. 
Sincerely, XXXX [ Your Contact Information ] [ Your Mortgage Account Number ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TX

Complaint narrative:
I reviewed a copy of my credit report and I noticed a account that is the result of fraud I contacted the creditor and asked to verify this account and it wasnt done I also requested a block of this information from my credit report from XXXX XXXX and Experian per fcra subsection b and 15 usc 1681 c2 and I never received a response back for this request Please block this account immediately XXXX  # XXXX Amount {$2000.00}

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 2024-11-23 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-11-23 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-23 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: MO

Complaint narrative:
I do not consent to e-OSCAR and want a human to read this complaint. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before, but EQUIFAX has not yet fixed the problem nor has compensated at all for federal consumer rights violations and damages. EQUIFAX continue to furnish XXXX XXXX XXXX XXXX. I will have proof of my claims attached and every marked-up furnishing is a violation. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I noticed some instances of late payments on an account tor which I have always maintained timely payments. consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative imagines information be reported with upmost accuracy. I have never missed a payment on my XXXX XXXX  account XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to Furnish proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-11-23 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: IL

Complaint narrative:
It is unacceptable that my credit report continues to show accounts that are not mine, dragging down my credit score and credibility.

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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Complaint About Unjustified Account Closure by PenFed Credit Union Dear CFPB, I am filing a formal complaint regarding the sudden and unexplained closure of my account by PenFed Credit Union. 

On XX/XX/2024, I opened an account with PenFed under my name, XXXX XXXX, using the email address XXXX. During the account opening process, I provided all the required documents, including my Individual Taxpayer Identification Number ( ITIN ). PenFed explicitly states that they support opening accounts with an ITIN, and my account was successfully opened after meeting all their requirements. 

However, shortly after the account was opened, PenFed unexpectedly closed it without providing any explanation. This action has left me confused, frustrated, and deeply dissatisfied with their service. I have not engaged in any activities that would violate their user agreement or terms and conditions. 

I feel that PenFeds actions are unfair and show a lack of respect for consumers. Closing an account without justification not only disrupts my financial activities but also undermines the trust I placed in their institution. 

I am requesting CFPBs assistance with the following : 1. Investigating the reasons for the sudden closure of my account. 
2. Ensuring that PenFed provides a transparent explanation for their decision. 
3. Advocating for the restoration of my account, as I believe the closure was unwarranted. 

This situation has caused me significant distress and inconvenience. I urge CFPB to ensure accountability and transparency in this matter. I am willing to provide any additional information needed for your investigation. 

Thank you for your time and support. 

Sincerely, XXXX XXXX Email : 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 2024-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Credit Fresh Holdings Inc
State: TN

Complaint narrative:
Completed XX/XX/year> Dispute Missed Payments I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Completed XX/XX/year> I Previously Disputed This I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 
Completed XX/XX/year> Victim of Identity Theft I am a victim of identity theft, and I never opened this account. 
Created XX/XX/year> Status Verification Request I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2024-11-23 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: CBC Companies, Inc.
State: TN

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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