vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I had two unauthorized XXXX transactions that were made through my PNC bank app. When I tried to dispute and escalate the claim I was marked as a scammer by XXXX and my account is now banned and the case is closed. No evidence of me being a scammer was presented. They Just asked a bunch of questions about how I might be compromised. I repeatedly said I do not know how it happened. They then put me on hold and when they came back they told me Im banned from XXXX and denied the claim instead of helping me with my issue. I was told I can not speak to anyone else about the matter at either XXXX or PNC and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account inaccurately reported by XXXX XXXX XXXX to Experian. The account in question is being reported as 120 days past due, even though it is a collection account, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

2. Specific Violations : FCRA Violation : Section 623 ( a ) ( 1 ) ( A ) requires that information furnished to credit reporting agencies be accurate. Reporting a collection account as 120 days past due misrepresents the nature and status of the account, violating the accuracy requirement.

FDCPA Violation : Section 807 prohibits false, deceptive, or misleading representations. Reporting the account as past due when it has been transferred to collections creates confusion and could mislead creditors or potential lenders.

3. Additional Concern : The date of delinquency does not appear to reflect the correct date of first delinquency from the original creditor. This date appears to have been altered or re-aged, which would constitute an additional violation of the FCRA under Section 605 ( c ).

Actions Requested : Immediately instruct Experian to correct the account reporting to reflect its status as a collection account. 
Remove the 120 days past due designation as it is inaccurate. 
Ensure that the date of first delinquency aligns with the original creditors records. If original creditor 's records are not provided to verify the date of first delinquency, please delete this record from my consumer file or credit report. 

For accuracy of this account, please review and send me verification of the purchase agreement from the original creditor along with the complete statement 's record for this account.

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 2024-12-26 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: MD

Complaint narrative:
During a review of my credit report, I spotted some billing mistakes. The listed late payments are inconsistent with my normal payment habits. Please rectify these issues and update my account accordingly.

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 2024-12-26 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: IN

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX  XXXX XXXX XXXX Bal. {$130.00} XXXX XXXX XXXX Bal. {$220.00} XXXX XXXX XXXX Bal. {$1400.00} XXXX XXXX XXXX Bal. {$2000.00} XXXX XXXX XXXX Bal {$2900.00} XXXX XXXX XXXX Bal {$4400.00} Inquires XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 2024-12-26 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: MD

Complaint narrative:
" Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed 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 2024-12-26 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: MD

Complaint narrative:
" Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed 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 explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
I am writing to address errors on my credit report involving 15 USC 16c-2. The listed hard inquiries were not authorized by me, and I request their prompt removal.

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 2024-12-26 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: IL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-12-26 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:
A new account was reported on .my credit report that I did not open. I froze my credit and disputed with all 3 credit reporting agencies. Experian has declined my dispute and the account will remain on my credit report. I have not been able to get in contact with the company that granted the credit because you need the account number to get connected with an agent.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
Ive reviewed my credit report and found multiple billing inaccuracies. These late payments dont align with my typical payment habits. Please address these mistakes and update my account. 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 2024-12-26 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: NCB Management Services Inc.
State: MD

Complaint narrative:
Advised companies, that information was not correct. Unknown inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: OR

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reappearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On XX/XX/XXXX we refinanced an existing Ally Financial/Ally Capital car loan with XXXX XXXX XXXX XXXX XXXX We called Ally from XXXX XXXX on XX/XX/XXXX to obtain the 10 day payoff amount which was given to us as {$24000.00}. XXXX XXXX cut the {$24000.00} check and we sent it certified mail to the Ally payoff address. certified mail tracking shows it received by Ally on XX/XX/XXXX. On XX/XX/XXXX I called Ally to confirm it had been applied to the account and that the loan was showing as paid off with XXXX balance. I was told that the loan was in collections, that they had received the check but had placed it on a hold per their policy and it had not yet been applied to the loan. On XX/XX/XXXX I received a collection notice from Ally dated XX/XX/XXXX showing Outstanding balance of {$24000.00} plus accrued an unpaid finance charges through XX/XX/year> of {$600.00}, plus unpaid late charges of {$29.00} and showing a XX/XX/XXXX payment of {$590.00}. Since the check had clearly still not been applied, I called Ally again on XX/XX/XXXX. They said again that the loan was in collections and they couldn't talk to me about it. Eventually they verbally confirmed for me that they had received the check for {$24000.00} on XX/XX/XXXX but that it had not been applied to the account because it was " short '' funds and that they had returned the check back to me uncashed on XX/XX/XXXX. I have not yet received it. We went to XXXX XXXX XXXX XXXX again today and they stopped payment on the first check immediately and issued another check today with the same date and amount of the first check. ( again, to match the 10 day payoff amount given to us by Ally on XX/XX/XXXX ) XXXX XXXX agreed to overnight ship the check to Ally on our behalf and the XXXX XXXX XXXX  Manager told us that it is illegal for Ally to hold the check and that we should report the incident on this site. It is already affecting our credit in collections and this is not ok. Ally could give us no other explanation today for why they held the check and why they supposedly mailed it back to me a month later. All they could do was give us another 10 day payoff amount of {$25000.00} good until XX/XX/XXXX 5

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CO

Complaint narrative:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-12-26 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: IL

Complaint narrative:
I am seeking your help to investigate accounts from companies incorrectly reporting late payments. I lost my job and requested that these payments be forgiven, which they agreed to, but they are still reported as late. Ive reached out to them with no response, leaving this as my final option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I noticed several unauthorized accounts in my credit report. Please ensure these fraudulent accounts are blocked and removed at once.

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 2024-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
On XX/XX/XXXX I emailed my mortgage servicing company, PHH Mortgage Services, to submit an application for a mortgage modification. On XX/XX/XXXX an approval letter for a trial modification plan was sent to me. I completed the XXXX trial payments as required and completed the trial plan in XX/XX/XXXX. On XX/XX/XXXX a permanent modification approval letter was sent to me, including the final agreement signature pages. I completed and signed the agreement, and included a copy of the quit claim deed signed by my ex-husband in XXXX. I mailed the documents to PHH on XX/XX/XXXX. PHH received the documents on XX/XX/XXXX verified per USPS tracking number. PHH notified me that they did not receive the quit claim deed and therefore needed me to sign and return another copy of the permanent modification back to them. I completed, signed and again included a copy of the quit claim deed signed by my ex-husband along with a copy of the deed of the property. The documents were mailed on XX/XX/XXXX. The USPS tracking showed that the documents arrived in the destination town XX/XX/XXXX but then returned back to the origin facility in my state on XX/XX/XXXX and then back down to the destination town and finally delivered on XX/XX/XXXX, verified per USPS tracking number. On XX/XX/XXXX PHH sent me a letter of Decision of my permanent modification. They stated I was no longer eligible for the modification with the following explanation. " You failed to return the corrected modification agreement within the required time frame. '' I called PHH on XX/XX/XXXX to inquire about the letter and they told me I would have to apply for another trial modification and if approved I would need the signature of my ex-husband on the agreement despite him signing the quit claim deed in XXXX. I explained that I do not have any contact with my ex-husband, he does not live in the same state as me. Our divorce was due to domestic abuse and contacting him could put me or my family in harm. This is also inconsistent with my previous PHH mortgage modification. 
They did not require my ex-husbands signature, only requested a copy of the quit claim deed. My home is at risk for foreclosure. Despite my completion of the trial modification and a permanent modification approval. Their business practices are inconsistent and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
On XX/XX/XXXX2024, I made an over {$3000.00} down payment towards a XXXX XXXX XXXX. My payments ( XXXX XXXXXXXX ) began in XX/XX/XXXX 2024. By XX/XX/XXXX2024, life happened. In XX/XX/XXXX 2024, my home owners increased by XXXX XXXXXXXX due to XXXX XXXX. Between XXXX and XX/XX/XXXX2024, my wife had a XXXX XXXX XXXX, respectively. As a result of these two procedures, I had to take time from work to help her convalesce. Therefore, my bills ( including my vehicle payments ) got behind. I reached out to Ally ( vehicle loan lender ) for payment assistance. I was told that in order to get assistance that I had to make 6 consecutive payments in a row. Upon making late payments, I noticed that finance charges, which were applied by Ally, ranged from XXXX XXXX  {$900.00}. These fees are nearly 30-90 % of my monthly vehicle payment. These exorbitant fees inhibit my ability to keep up my monthly vehicle payments. In XXXX, I made a {$2300.00} thinking I would be caught up, but had to pay {$1300.00} in XXXX and still was not caught up. These outrageous finance charges are unfair. Its very difficult to maintain a stable payment schedule.

Company response to consumer: Closed with explanation