vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: NJ

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 2024-08-15 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: TN

Complaint narrative:
I am seeking to have the XXXX XXXX account in the amount of {$2300.00} removed from my credit report. I disputed this and advised XXXX XXXX that I do not owe this debt. XXXX XXXX referred my Account to XXXX XXXX XXXX  and due to jurisdiction issues XXXX XXXX XXXX brokered this to XXXX XXXXXXXX XXXX XXXXXXXX. I tried to resolve this with all 3 companies to no avail. I was taken to civil court twice by XXXX, XXXXXXXX XXXX XXXXXXXX representing XXXX XXXXXXXX. The first court date was postponed allowing time for XXXX XXXX to return with proof of the debt. At our final court date ( a trial ), XXXX XXXX did not provided any evidence that I owed this debt. Judgment was ordered in my favor and the cased dismissed with prejudice. Please find included a copy of said judgment. I spent 2 days missing work to attend these court dates. I have sent multiple letters, emails and made many phone calls attempting to get this item removed from my credit report. 
Please remove this account from my credit report as I do not owe it. I have explained this via certified mail to XXXX XXXX, TransUnion, XXXX and 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 2024-08-15 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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:
According to 15 U.S. Code 1601, its crucial for consumers like myself to be fully informed about the terms of any credit we take on. Unfortunately, I dont feel that I was provided with clear and complete information about the terms of my student loan when I initially agreed to it. This has led to decisions that I might not have made had I been better informed.

Im also concerned about how my personal information is being handled. Under 15 U.S. Code 6801 and 6802, financial institutions are required to protect my nonpublic personal information and ensure that Im given a clear opportunity to opt out of sharing this information with third parties. Im not certain that this was done in my case, and Im worried that my data may have been shared without my full consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
PennyMac bought my loan in XX/XX/year>. Loan number is # XXXX. 
My address is XXXX XXXX XXXX XXXX, XXXX XXXX I mail payments in same day I get statements, I drive them to the post office and put them in the drop box inside the post office. My car payment takes XXXX  days to process, my Credit card payment takes XXXX  days. Penny Mac takes XXXX to XXXX  days to process my payment. 
Their processing center is in XXXX XXXX, IL XXXX I called their customer service on XXXX XX/XX/year>, I think I talked to XXXX or XXXX, I made myself clear, that I did not want my payment held, I wanted it processed immediately. XXXX 's payment took PennyMac XXXX days to process, my phone call reduced XXXX payment to XXXX days. This delay is costing me interest. Can you deal with this company and have them process my payments in a more reasonable timeframe. I DO NOT RECOMEND PENNY MAC TO DO V.A. LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased an American Express Business gift card in a group of cards, {$1000.00} increments, in XXXX of 2021. I went to use my card on XX/XX/XXXX and it was declined. I had never even opened the envelope before trying to use it. I called customer service and they said I needed to email them a copy of the card, my drivers license and a copy of the invoice to XXXX. I did that on XX/XX/XXXX. They said I would be contacted within XXXX to XXXX hours, I never was. I called back and they said I needed to email the same information to XXXX, I did, and got no response or call back. I called back and they put me on hold and said yes we received your emails but it's taking more time to investigate for me to call back in 2 days. I did and got the same answer, XXXX more times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
Received an email from a company called XXXX regarding a loan with BHG it clearly states on the email that there is a judgement status and post judgement collection on and that i should reach out to them to resolve. It threaten to report to credit bureau This morning there was a collection account on my XXXX credit file. for XXXX from this company. I was threaten and lied to regarding the status of the account and was never notified of any judgement made against me. I never had an account with XXXX and demand proof right to collect from me. please submit proof of ownership of loan how they aquired it and what right do they have under the law to collect from me. who gave them the right to report and report to credit bureau show me any documents that i signed with them anything connecting me with XXXX. I demand they remove the collection from my credit file and unless they have any proof of there ownership of the collection. that i signed then remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Discover Bank due to their failure to respond to a credit dispute letter I sent on XX/XX/year>. This dispute concerns the payments that Discover Bank marked as late on my account during the following months : XX/XX/year> and XX/XX/year>. Additionally, in the XXXX credit report, the payments marked as late correspond to XX/XX/year> and XX/XX/year>. 
Account XXXX : - Discover Bank Account XXXX : XXXX I have attached a letter showing that the creditor did not respond to my dispute within the legally mandated XXXX period. I am formally requesting that detailed proof be provided regarding this specific item, in accordance with [ XXXX XXXX XXXX ( b ) XXXX XXXX XXXX XXXX XXXX ). This section ensures that each periodic statement is mailed to me no later than 21 days before the payment due date. Additionally, I am requesting that all information required by section 1637 ( b ) of Title 15 be included.

It is my understanding that under [ 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ] ( XXXX XXXX XXXXXXXX ), my consumer report should not contain information solely related to transactions or experiences between me and the entity making the report. Payment history, including late payments, negatively impacts my consumer report and is part of the transactions and experiences between me and Discover Bank. 
Furthermore, I request that Discover Bank provide, in writing, the reasonable procedures they have adopted, in accordance with [ XXXX XXXX XXXX ( b ) ] XXXX XXXX XXXX XXXXXXXX ), to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date. Please also include all the information required by section XXXX ( b ) of XXXX XXXX. 
Discover Bank has 30 days from the date they receive this letter to provide me with the information I am requesting. If they fail to provide this information within the allotted time, it will be assumed that they can not verify the late payments specified above due to a lack of reasonable procedures to ensure the accuracy of my account. In that case, I request that the late payments be removed from my account and consumer report with the following consumer reporting agencies : XXXX, XXXX, and XXXX, or any other applicable agencies, and that the account be updated to reflect a positive status. 
Please forward any changes to my account to the address provided above. Thank you for your time and consideration in this matter. I look forward to receiving a positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-15 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: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-15 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights. 


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

15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. 


Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

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 2024-08-15 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: NE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX 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

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 2024-08-15 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
The categories aren't valid for this case. I submitted a request a year ago to have my title updated with Genesis Finance USA and paid to have the update filed with the XXXXhave a new title sent. I changed my name and needed the title updated with my correct name. Someone with Genesis Finance deleted my request the same day it was submitted, but it's " stuck '' on their website and I can not resubmit it or request the same thing again. The service rep offered that I could email my documentation, which is unacceptable because email is not secure. They also said I could request this through the XXXX, but my state XXXX takes hours on hold if you can even get a person at all. I do not have that kind of time. They have given me no valid recourse and refused to update my title.

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 2024-08-15 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: NE

Complaint narrative:
I noticed on my account XX/XX/year> that my credit there is unauthorized accounts that I do not recognize nor approve.

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 2024-08-15 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: NE

Complaint narrative:
I noticed on my account XX/XX/year> that my credit there is unauthorized accounts that I do not recognize nor approve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: MN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 non-monetary relief
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXXXX/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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have had Wells Fargo home mortgage since 2007. I have been mailed several redress checks ( XXXX ) and am concerned that I am owed more for the losses I suffered.

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 2024-08-15 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV LLC appears to have purchased credit card debt that I did not know was in collection or that they had made an attempt to collect the debt. I reported this to XXXX and they removed all LVNV LLC accounts from my credit report. I have since reached out to the other credit reporting bureaus to request the same. 

In good faith, I have reached out to LVNV LLC, but they keep changing their name and now I can not find or figure out where to or how to verify the debt. It is very frustrating. 

This involves two accounts, one ending in XXXX and another ending in XXXX. If the company can not provide proof of the debt that I am requesting and XXXX has already removed them from my report, I feel the other bureaus should take similar action, especially if the company is not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My identity was compromised because my id and social security was stolen a few years back and I've been having issue with fraud accounts being open my name.

Company response to consumer: Closed with explanation