vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also XXXX Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 non-monetary relief
Consumer complaint received 2024-06-20 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: PA

Complaint narrative:
XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX HARD INQUIRIES : INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : 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 2024-06-20 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: VA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
All I wanted to do was unfreeze my credit at Experian for XXXX day so that I could open a bank account. This used to be very easy -- and now it's almost impossible and is holding up my bank account. 

Here 's what happened today ( XX/XX/year>, at XXXX PST ) : * I went to the website for unfreezing for free ( XXXX XXXX XXXX ), and unlike before, it now forces me to create an account. OK. 

* Except that due to a technical glitch in the process, I can't verify my phone number while creating the account that I don't actually want. They are supposed to send me a secret number via voice or text message, but neither was actually sent to my phone. So now I have an account with a phone number that's unverified. I don't know how important that is. 

* What I *do* know is that when I log into the website above now, I don't have any option to temporarily unfreeze my account. Instead, I get a message saying " Welcome back. Get your Free Experian Credit Report now. XXXX XXXX XXXX XXXX. 
When you order today, you'll get : ( nothing shown ) No credit card required. Checking your own Credit Report does not hurt your credit scores. '' * I do not want my free credit report, since it's only free once per year and I might need it later. 

* I then call the number on their customer service line ( XXXX ). All I get is an AI-operated voice line that will allow me to unfreeze my credit, but it's unclear if I'll be able to do so temporarily and then freeze it again in a day. 

* I then try various ways to get a real person to help me, but to no avail. 

* Experian 's contact us page at XXXX XXXX XXXX XXXXas no way to talk to a real person. so I'm contacting you instead to ask for help. 

To recap : All I want to do is temporarily unfreeze my credit without being forced to get my annual credit score. They should not force me to do this. I would be OK if they just set it up so that I could log in and unfreeze my credit like they advertise.

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 2024-06-20 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: GA

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer 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 2024-06-20 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: GA

Complaint narrative:
Hello I have filed a complaint over several times regarding XXXX XXXX. I have called multiple times and left messages I even have two conversations recorded. I have been trying to get in touch with them for a while now and i have provided them with all details that was needed to investigate my claim and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Guild Holdings Company
State: OR

Complaint narrative:
I have a XXXX XXXX XXXX with Guild.

Insurance is payed by them through escrow. 
I have maintained appropriate insurance coverage throughout the life of the loan, prior to XX/XX/year> with XXXX XXXX, after XX/XX/XXXX with XXXX. 
XXXX Mortgage claims that I had a lapse of coverage XXXX XXXX XXXX 2024, and has charged me {$220.00} for coverage for this period. There was no lapse of coverage. 
XXXX XXXX changed my policy from a classic to advanced on XX/XX/year>. At no time was there a lapse of coverage. 
XXXX XXXX notified Guild of the change in policy, and Guild paid the new premium for the new policy. Somehow some other part of their operations was not informed of this. 
Guild sent me a letter in early XXXX requesting proof of coverage. I sent this by email to the address they requested. 
They sent me another letter on XXXX XX/XX/year> again asking me to provide proof of coverage. 
I sent proof of coverage again, and called them. Their representative told me over the phone that I should disregard the letter and that the issue had been resolved. 
Guild sent me a letter on XXXX XX/XX/year> informing me that they were obtaining hazard insurance for the period XXXX XXXX XXXX XX/XX/year>. 
I again called them and again resent the proof of coverage. 
Guild Called American Family, and was told by XXXX XXXX that there had been no lapse of coverage. They mistakenly believe they were told that there had been a lapse of coverage. 
I called XXXX XXXX, who played their recording of the call and confirmed that they had told Guild that there was NO lapse of coverage. 
XXXX XXXX sent Guild proof of coverage and an email explaining that there had been NO lapse of coverage. 
I called Guild again, and they said they could not explain the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
The Consumer Reporting Agency EQUIFAX is in clear violation of the law. I obtained a copy of my Equifax Report and noticed the following data furnished below that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). I also have not been notified with the description of your last investigation results as per 15USC 1681i ( 7 ). The following revolving account with an alleged balance of {$210.00} is not in Metro 2 Compliance and has 3 late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the person making the report, 21 days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there UNVERIFIED late transactions furnished on my report within this revolving account?

I PAID THE REMAINING {$210.00} BALANCE AND THE ACCOUNT WAS REPORTED CLOSED ON XX/XX/XXXX. PLEASE UPDATE THE 150 DAYS PAST DUE REMARK TO PAID AS AGREED ON MY CREDIT REPORT. Company Listed : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Opened Listed : XX/XX/XXXX - According to 15USC1681 ( e ) it is their obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report. To prevent from being a future victim of identity theft pursuant to 18USC1028 ( A ), I am requesting your agency to remove all other names, addresses and phone numbers ; and update to only the following : FULL NAME : XXXX XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX CURRENT EMPLOYER : XXXX XXXX XXXX XXXX  XXXX CURRENT PHONE NUMBER : ( XXXX ) XXXX PLEASE REMOVE ALL OTHER PERSONAL INFORMATION FURNISHED ON MY CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: VA

Complaint narrative:
XXXX XXXX is not reporting a closed date on my XXXX and Transunion reports. I have disputed more than 3 times to no avail. My XXXX reports the account was closed on XX/XX/XXXX. That would me I would have had access to the account and that is not the case. 

Account : XXXX The account was closed in 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 2024-06-20 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: VA

Complaint narrative:
XXXX XXXX is not reporting a closed date on my Equifax and XXXX reports. I have disputed more than 3 times to no avail. My XXXX reports the account was closed on XX/XX/XXXX. That would me I would have had access to the account and that is not the case. 

Account : XXXX The account was closed in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: VA

Complaint narrative:
XXXX XXXX is not reporting a closed date on my XXXX and XXXX reports. I have disputed more than 3 times to no avail. My Experian reports the account was closed on XX/XX/XXXX. That would me I would have had access to the account and that is not the case. 

Account : XXXX The account was closed in 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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was looking to purchase XXXX knives and I ended up on what I thought was the XXXX website which was actually XXXX. It was an exact mimic of the actual XXXX website which I had visited previously. On XX/XX/year>, I purchased XXXX knives totaling {$860.00}. I tried to use my credit card and for some reason the site would not take it so l used my debit card. After the purchase was made, I called my credit card company to find out why they would not authorize my transaction and they said it was a fraudulent transaction from a place in XXXX selling XXXX trying to put through the authorization. I immediately called my bank WSFS to cancel the debit card for the authorization. I immediately called my bank WSFS to cancel the debit card transaction. They said they could put in a dispute on it but could not cancel it right away, When WSFS Bank contacted me saying the transaction was from XXXX in XXXX I said that I did not authorize the transaction and a provisional credit was placed on my checking account on XX/XX/year>. I did receive the knives and there was a thumb XXXX missing so I emailed them and they did send a thumb XXXX but it was suspicious because it did not match the picture. The package came from the XXXX XXXX in XXXX address that I mentioned above. WSFS bank debited my account again for the {$860.00} on XXXX because I did authorize a transaction for this amount and received merchandise. After looking at these knives and ones I had purchased previously, I realized that these knives are counterfeit. Many of the features and hardware do not match the website photos on XXXX 's actual site. WSFS bank did not listen to me that this was a scam, when my credit card bank knew that it was fake, and let the company debit my checking account. I even received an email from XXXX saying that the money had been taken back from them by my bank and asking me to make another purchase on the site for that amount with the understanding that I would not receive merchandise for the purchase. I contacted WSFS Bank and they said that I will have to deal with the merchant. I sent an email to the email address that WSFS Bank had provided ( XXXX ) asking for an address to return their counterfeit merchandise to them. They asked me to send a copy of the packing box, the tracking number, and the merchandise. I have copies of both of these emails, too. I don't want these knives and I want my money back. I am disappointed especially with WSFS Bank since I have been their customer for XXXX years.

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 2024-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was told one price and wasn't disclose the terms of the loan and the amount of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: VA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in to be removed. 

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. 


XXXX XXXX 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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.

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!

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 2024-06-20 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: IL

Complaint narrative:
I am writing to dispute an unauthorized inquiry on my credit report. Please find the details below : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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