vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THESE INQUIRIES FROM MY CREDIT REPORT. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
XX/XX/2024, called pennymac to try to negotiate fees and to get them to either reduce or wave fee to sell house. asked for an itemized list of items they were charging me to for property preservation fee totaling {$7100.00}. they were unable and unwilling to share that information to me as well as not giving me why they winterized my home before the five day period of receiving a certified letter from them. won't explain anything about the property preservation fees due to the fact that department doesn't deal with the public as it was explained to me. was able to pull some information on scrub trimming that costed me XXXX for two scrubs I didn't have on the property. also lawn care in the winter months of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Formal Complaint Against Ability Recovery Services LLC Dear Consumer Financial Protection Bureau : I am filing a formal complaint against Ability Recovery Services LLC, a debt collection agency, for repeated violations of my rights under federal regulations : 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Attempting to collect a debt I do not owe, or attempting to collect an amount greater than I owe.

12 CFR 1006.34 ( b ) ( 5 ) : Continuing collection attempts after receiving a written request to cease communication.

12 CFR 1006.34 ( d ) : Making misleading representations and using deceptive means to collect a debt.

15 USC 1681-S2 ( 7 ) ( A ) : Harassing, oppressing, or abusing me in connection with the collection of a debt Also this debt is passed of the statute of limitation of the state of North Carolina according to the bill the date service was 06/22/2021 I respectfully request the following : Cessation of Contact : Immediate cessation of all debt collection attempts by Ability Recovery Services LLC .

Validation of Debt : I request that Ability Recovery Services LLC provide clear validation of the alleged debt in compliance with federal regulations. 
Investigation : I request a thorough investigation into Ability Recovery Services LLC and their collection practices. 
Compensation ( If Applicable ) : If applicable, I request to be compensated for any damages incurred due to the company 's violations. 
Thank you for your attention to this urgent matter. I anticipate your prompt review of my complaint. 

Sincerely, [ Your Signature ]

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 2024-02-27 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: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # No number 15 U.S.C 1681 section 602 a. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it states, a consumer reporting agency, can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( A ) ( 5 ) Section States : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes, which antidote the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable caused believe that the information is an accurate.

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 2024-02-27 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: LA

Complaint narrative:
Equifax is reporting XXXX medical bills under a miscellaneous " Untitled '' name and with ( chargeoff collection ) applied to each account # XXXX # XXXX. I have no knowledge of these accounts and im not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NV

Complaint narrative:
On XX/XX/2024 XXXX bank placed a inquiry on credit report. Did not apply for any auto loan or credit loan with XXXX Bank. 

ID Theft fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$360.00} XXXX. XXXX XXXX XXXX : {$220.00} XXXX. XXXX XXXX XXXX Balance : {$1000.00} XXXX. XXXX XXXX XXXX : {$13000.00} XXXX. XXXX XXXX XXXX XXXX : {$740.00} XXXX. XXXX XXXX XXXX : {$370.00}

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 non-monetary relief
Consumer complaint received 2024-02-27 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:
I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$360.00} XXXX. XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX. XXXX XXXX XXXX : {$13000.00} XXXX. XXXX XXXX XXXX XXXX : {$740.00} XXXX. XXXX XXXX XXXX : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: PA

Complaint narrative:
I've filed numerous reports to the bureau 's about this account not being mine and was a result of identity theft. 

Accounts : XXXX XXXX {$730.00} XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX XXXXXXXX was deleted and put back on my 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
At the beginning of the year I received a bill in the mail from XXXX XXXX XXXX in regards of some changes related to Commenity Sony Card. I contacted Commenity Bank Sony Credit card and I was informed they no longer had my account as this account was sold to XXXX XXXX XXXX. I Asked about the charges and the credit card company was very vague in providing information. I asked to speak with the fraud department and my request was denied. I asked to talk to a supervisor and she informed me the address and phone number of my account were changed. She also stated the charges originally came from a small charge at the end of XXXX of XXXX and they sent statements for XXXX months and sent the account to collections after that. I contacted the credit card reporting agencies XXXX XXXX and XXXX and I filed a dispute on the charges and the address provided by Commenity card with an address in the state of Georgia as this address was published on my credit report. The credit card number with Commenity Sony card is : XXXX XXXX XXXX XXXX. The disputes were denied as Commenity stated they provided accurate information to the credit card reporting agencies, Then I went to the police station to let them know about this situation. I dont understand why Commenity Bank let a third party changed my mailing address and phone number without my consent and I was not aware of this activity going on with this credit card as I never received the statements of these charges. I was not given the opportunity to dispute the charges at all. I am enclosing information from my employer stating I have not lived in the state of Georgia at all. Community Bank is known for charging people with inaccurate charges in the United States. The mailing address for commenity Sony card is : XXXX XXXX XXXX XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contacted all three credit bureaus regarding these XXXX fraudulent account, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not yet to receive an response from any of the credit bureaus of the status of their investigation or results.

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 2024-02-27 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp.
State: NV

Complaint narrative:
Absolute Resolutions Investment LLC has threatening to sue me for the amount of {$2200.00} that was already sent to A 3rd Party Collection Agency. According to FDCPA these actions are in Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Adhere to the law and promptly block the fraudulent accounts listed below from my credit file as required by FCRA Section 605b. Failure to comply within 4 business days will leave me no choice but to pursue legal action, and I demand your immediate attention to this matter. I expect swift action to rectify this situation, and your compliance with the legal requirements is crucial to avoid legal consequences. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$2400.00}

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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
WF/DILLARDS placed a Charge off /Collections status onto my consumer report without my knowledge nor my written instructions

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This company is showing an old chargeoff on all of my credit reports. it has been giving me a hard time since i have been trying to obtain a car so i can get to and from work. i am in a completely different financial situation since my college days and i believe it is unfair for them to still be reporting this old information that is not reflective of who i cam as an adult. I need this account removed IMMEDIATELY since it has been having an effect on my life for a very long time now and i am tired of it. please help me CFPB can not take this any longer.

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 2024-02-27 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: MO

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts/information below XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00}

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 non-monetary relief