vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
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 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 2024-12-11 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 writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX, Upgraded checking account to XXXX relationship account in branch, appointment XXXX. Upgrade was for a promotion, {$2500.00} bonus for {$250000.00} in funds for 90 days. On upgrading the account, I received documentation the promotion was applied, XXXX. I completed the terms of the promotion ; the {$2500.00} bonus was not credited to my account as required. On XX/XX/30 I contacted the banker and the branch manager - XXXX XXXX XXXX, XXXX XXXX, to initiate a support ticket to have the bonus credited. No response. On XXXX I contact the XXXX  XXXX  Support desk via phone, they verified I was enrolled in the promotion, and they verified I met the terms of the promotion, they stated they would open a support ticket, and the bonus should be credited within 5 business days. Bonus has not been credited and I have received no 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 monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-11 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: OR

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 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 2024-12-11 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: OR

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 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 2024-12-11 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-11 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: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-12-11 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX Account Number : XXXX Inaccurate Information : o The " Date Opened '' is listed as " XX/XX/XXXX '' by TransUnion but " XX/XX/XXXX '' XXXX XXXX and XXXX, causing discrepancies in account history. 
o The " Date Last Active '' is reported as " XX/XX/XXXX '' by TransUnion and XXXX, but XXXX reports it as " XX/XX/XXXX, '' suggesting outdated or incorrect reporting. 
o The " Comments '' field includes different remarks across bureaus. TransUnion states " Dispute resolved ; reported by grantor, '' XXXX mentions " Account was in dispute- now resolved - reported by subscriber, '' and XXXX notes " Account previously in dispute- now resolved by data furnisher. '' These inconsistent comments create confusion and misrepresent the accounts current standing. 
o The " Two-Year Payment History '' shows a " XXXX '' delinquency for XX/XX/XXXX in XXXX, while TransUnion and XXXX report no delinquencies for the same period.

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 2024-12-11 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: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XXXX XXXX XXXX  about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2024-12-11 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: Consumer Portfolio Services, Inc.
State: DE

Complaint narrative:
There is an unauthorized and inquiry without permissible purpose from listed on XXXX, from XXXX ; category " Personal Loan Companies '' and XX/XX/scrub>XXXX  Please have this removed from my report as any inquiry outside of my authorization is a means of fraud and XXXX, XXXX and XXXX have to maintain XXXX 's Report 's with accuracy and maintain the XXXX 's rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-12-11 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: CA

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 2024-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I received a letter notifying me about real estate taxes not being paid and they were at risk of becoming delinquent. 

On XX/XX/year>, I went to the tax offices and paid off the real estate taxes and incurred late fees to avoid becoming delinquent. I then contacted LoanDepot about the issue and was told that they tried to make a payment back in XXXX, but they had the wrong parcel id on file so the payment was rejected. 

When I asked why I did not get any notification about the failed payment or if they had done anything to see why the payment failed, they told me they would investigate this issue and give me an update within 10 business days. During that call, I asked if they would cover the late fees and they said yes, I would be reimbursed for any late fees accrued from them not paying the taxes on time. 


On XX/XX/year>, I had not gotten any communication from them about this issue so I called back. They told me that since I reached out, they had corrected the parcel id on file. 

When I asked about being reimbursed, they said that since they attempted payment, with incorrect information about the property, they were not responsible for any late fees incurred and would not reimburse me. When I asked them to explain how they were not responsible for this, they insisted that it wasn't their fault that they had the wrong parcel information for the property and that I had no recourse. 

I then asked to speak to a manager but all they did was file another ticket with a 10 business day response time. When I asked how any of this will be different than the last time they filed a ticket, they only confirmed the phone number of file and said they'd reach out this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
Im a victim of equifax data breach and part of the class action settlement, I received an email today XX/XX/XXXX from equifax saying i qualify for additional pro rata payment, I havent even received the first settlement let alone pro rata. 
I called equifax and i found out i was communicating with an automated email account back and forth, i finally got hold of someone on the phone and told me that my check was paid in XX/XX/XXXX, I told her i never received a check and she saw on her end that i didnt receive any check she said she will reissue a check for me but immediately said they are no longer sending out the payment for my time and stress while filing the claim and diligently monitoring my own credit by myself after being failed by a giant credit monitoring company, I told her i will look for the right agency to report equifax to, she tried to talk me out of it telling me she escalated my case and someone should be contacting me from equifax , I made it known to her regardless of the call i will report equifax to the right agency, i felt a big blow on my face after being failed by equifax to not knowing who has my data or what atrocities my name may be acquainted with equifax told me to go hit the rock!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV placed two collection accounts on my credit reports ( XX/XX/XXXX ) ) before the debts were properly verified. I did not receive proper service regarding the alleged debt prior to its placement on my credit report as well as they filed judgments against me putting liens on my home. I was served lawsuit papers in XXXX of XXXX which again, was before the debt verification. I have disputed these accounts several times and they came back as accurate and updated. Account balances and payment history had to be updated as there were several inaccuracies. LVNV has also placed the judgments against me with incorrect balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: LA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the account and inquiries listed below from my credit report. I am a victim of a data breach, and these items were fraudulently added to my credit file without my knowledge or consent. As such, I invoke my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have this information removed. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation