vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I sent removal of charge off letters to, XXXX, XXXX and transunion on XX/XX/XXXX and a follow up letter when they did not respond on XX/XX/, these letters were certified and correctly addressed. When the disputes were finally answered I was confused when the disputed items were inaccurate. It appears the standard MOV was used. Cushman vs Transunion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet the court ruled that the creditors could not merely parrot data from the collection agencies that were required to conduct a REASONABLE investigation to ensure the validity of the debt ...... The e-Oscar system is for disputes is not how you fully validate REASONABLY ... Also U.S. Code 1681i States information in reference to the 30 day rule ... the Credit Bureaus responses were untimely and inaccurate ; My second charge off letter highlighted the fact that the first letter was responded to inaccurately to the dispute i made under FCRA 611a. yet they continue to protect the sellers and abuse the consumers and sell our debt to collection agency who have police like tactics in terms of threatening citizens. XXXX XXXX has gotten its Vehical back from me in good faith in a volunteer way after 3 years of on time payments! and now your trying to rip me off for XXXX, more, for a XXXX car. 3 years of payments of {$640.00} a month... and you want {$11000.00} and when I turned it in it was in perfect condiction!...

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I sent removal of charge off letters to, experian, XXXX and XXXX on XX/XX/XXXX and a follow up letter when they did not respond on XX/XX/2023, these letters were certified and correctly addressed. When the disputes were finally answered I was confused when the disputed items were inaccurate. It appears the standard XXXX  was used. XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX the court ruled that the creditors could not merely parrot data from the collection agencies that were required to conduct a REASONABLE investigation to ensure the validity of the debt ...... The e-Oscar system is for disputes is not how you fully validate REASONABLY ... Also U.S. Code 1681i States information in reference to the 30 day rule ... the Credit Bureaus responses were untimely and inaccurate ; My second charge off letter highlighted the fact that the first letter was responded to inaccurately to the dispute i made under FCRA 611a. yet they continue to protect the sellers and abuse the consumers and sell our debt to collection agency who have police like tactics in terms of threatening citizens. XXXX XXXX has gotten its XXXX back from me in good faith in a volunteer way after 3 years of on time payments! and now your trying to rip me off for XXXX, more, for a XXXX car. 3 years of payments of {$640.00} a month... and you want {$11000.00} and when I turned it in it was in perfect condiction!...

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 2023-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Triple AC Resolutions
State: CA

Complaint narrative:
The company called my phone from XXXX and proceeded to tell me I owe a debt to XXXX XXXX XXXX I informed them that I have a paid in full letter and that I need their email address. I tried to send the letter by email and it came back as not a valid email XXXX The lady threatened at that time that if I don't pay it will go on my credit report and legal action will be taken.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Rent Bureau XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX XXXX XXXX XXXX MA XXXX XXXX I should not have any remaining balances on my account, I have a protective order that I presented to my apartment complex that relinquishes me from my lease BY LAW. I do not owe a remaining balance and this needs to be resolved ASAP. I thought this had been resolved on XX/XX/. However, when I tried to apply for a new apartment complex I was denied because there is a balance showing on my rental report which is inaccurate. The company that was involved with this screening was XXXX and they use Experian Credit Bureau to run their report. I would be happy to provide you additional documentation if needed such as my protective order, and email from my previous apartment complex stating I no longer have a balance. 

The companies involved are : Experian Rent Bureau ( false information of cost owed to previous apartment complex ) XXXX XXXX  ( The place at XXXX XXXX where I was previously a tenant ) and XXXX  ( where they are now receiving false information regarding my payment/tenant history- and they are a third party company for the apartment complex I currently applied at XXXX XXXX XXXX  ). 

Please see to this matter that it can be resolved quickly. Thank 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 non-monetary relief
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I asked the credit bureau ( s ) to check my credit report for accuracy and to verify the accounts on my credit report. XXXX replied that everything is accurate, TransUnion and XXXX has not responded. After I checked my credit report I still find inaccurate information on my credit report and no response to me asking for verification. ( All accounts with star mark in front of them are the accounts ) Also you can see how XXXX has no name for my credit report and a previous address ( I have lived at my current address for over 2 years ) I have asked the credit bureau ( s ) to update my name and address. I have provided them with a copy of my driver license and SS # ( card ).

I asked the credit bureau ( s ) if they was familiar with 15 U.S.C Sec. 1681i ( a )?

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 2023-09-27 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: IL

Complaint narrative:
I asked the credit bureau ( s ) to check my credit report for accuracy and to verify the accounts on my credit report. XXXX replied that everything is accurate, XXXX and Equifax has not responded. After I checked my credit report I still find inaccurate information on my credit report and no response to me asking for verification. ( All accounts with star mark in front of them are the accounts ) Also you can see how XXXX has no name for my credit report and a previous address ( I have lived at my current address for over 2 years ) I have asked the credit bureau ( s ) to update my name and address. I have provided them with a copy of my driver license and SS # ( card ).

I asked the credit bureau ( s ) if they was familiar with 15 U.S.C Sec. 1681i ( a )?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: CT

Complaint narrative:
Reliant Capital Solutions LLC has called me on multiple occasions. I have attempted to call back with no responses. This time, I picked up the phone. The man on the line, named XXXX, immediately asked me if I was my sister. I said no, who is this? And he immediately said is she around? I said no, who is calling? And he said well Ill try again later and hung up. I called back again and a woman informed me finally of WHAT the company even was and that they needed to discuss my SISTERS dept. According to the Fair Dept Collection Practices act, it is illegal to contact family members regarding an individuals dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed information and unauthorized inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed information and unauthorized inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 instructions 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.

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 2023-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Applied for a Home Depot store card. Website stated they would do a soft pull. Applied after they said it would not affect my credit score. Was told would take a few days to process. 3 days later was denied then they pulled a hard inquiry on my account that I did not authorize. Called Home Depot number would not Connect me to a human. Called XXXX to start a dispute and Julio told me that he cant do anything unless I call Home Depot. As I said you can not speak to a human. I would have not applied knowing they would lie and pull a hard report. They also gave me an inaccurate credit score as experian shows XXXX points higher than Home Depot. the inquiry was on XXXX per XXXX website. Thank 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 2023-09-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX and on this date XXXX, I have become a victim of identity theft. The following information I have listed Is not in accordance to my credit report. I ask that the following information below get DELETED off of my report rapidly since it is not mine. I have also listed a copy of my Federal Trade Commision Report, CFPB, and XXXX XXXX XXXX regarding the theft of my identity for your convenience. According to 15 USC 1681 - states that it governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .these companies have violated my rights as a consumer and have gone against the policy by sharing my NPI to collectors without sending an opt out letter in accordance to 16 CFR 313.1 thus, this being INACCURATE INFORMATION. Therefore I ask to Please DELETE the items from my report as soon as possible! Thank 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 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX is violation of Fair Credit Reporting Act by reporting negative inaccurate information. This is not my account. on my credit report opening date of this account is XX/XX/2021. And the stated account # is XXXX. This inaccurate information needs to validated.

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 2023-09-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX is violation of Fair Credit Reporting Act by reporting negative inaccurate information. This is not my account. on my credit report opening date of this account is XX/XX/2021. And the stated account # is XXXX. This inaccurate information needs to validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}

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 2023-09-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: MD

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: National Collection Systems, Inc.
State: IL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Contacted PNC Bank on XX/XX/2023 to start the PMI removal process on my mortgage. Was told they would submit the request and it should be removed, as at the time I owed XXXX % of the principle balance ( below the common XXXX  % requirement for a PMI ). 

Have since been been charged another monthly PMI of ~ {$63.00}, and will likely be charged for another ~ {$63.00} next month. Called into the company XX/XX/2023 to see why the PMI was not yet removed and why I haven't received any returned correspondence. Company said their customer service rep must have forgotten to submit my request when I called in on XX/XX/2023, and that I was still accountable to pay for the PMI due to their mistake. 

The company said they will now " officially '' put the PMI removal request in, approximately XXXX weeks after it was first requested, and that I would will not be refunded any monies despite their errors. I requested that I be refunded, and they said they can not do that. Was told I would have to file a complaint to XXXX  or CFPB or similar to get a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX, Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc.

If the status, a date, an amount, a balance, personal information such as name or address, or any other specific information is inaccurate you should also indicate what the correct information should be. Once we receive this information, we will process your dispute. 

You may also log on to experian.com/disputes, or call us at XXXX XXXX XXXX XXXX for faster service. *Not paying for service* The dispute process may take up to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ). We will send you the results once completed. If you write to us, please provide the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload.

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