vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
A request for validation was sent directly to creditor XXXX on XX/XX/year>, using the address listed on my credit report. The postal service has returned my disputes because of an invalid address listed on my credit reports. The creditor is intentionally using an incorrect address to avoid communication. Please delete this account under the FCRA.

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 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
PenFed Credit Union denied your loan applications ( vehicle and personal ) despite profiting from the monetization of your credit inquiries. They failed to provide the required SSA-89 form authorizing the use of your private information and acted in bad faith, violating federal consumer protection laws like the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, they disregarded your lawful standing as a secured party creditor with a recorded UCC-1 lien and ignored instruments like your Affidavit of Ownership, Bill of Peace, and Notice of Excise Tax Payment.

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 2024-12-15 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: NY

Complaint narrative:
In accordance with the fair credit reporting act convergent these accounts has violated my rights Under_ 15 U.S.C 1681 section A. states I have the right to privacy.

15 U.S. Code 1681e ( bAccuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer. or modity that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately

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 2024-12-15 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:
In accordance with the fair credit reporting act convergent these accounts has violated my rights Under_ 15 U.S.C 1681 section A. states I have the right to privacy.

15 U.S. Code 1681e ( bAccuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer. or modity that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I went inside the Chase bank in XXXX, XXXX, I deposited a check that was endorsed by my girlfriend. I went to use my account and I couldn't I was told to contact a number that was provided to me by the bank. When I called the number the representative then asked for the phone number associated to the person that endorsed the check. After giving the number they said it couldn't be verified through there systems. After calling over 10x we were told to go inside the branch and they will release it. After being told this I remined them all calls are recorded. We both went inside the branch on XX/XX/year> XXXX XXXX called the worker 's direct line at Chase. XXXX 's phone number came up as her name. The representative then called and tried to verify the number again and told them her number came up as well as seeing her ID and passport. They also threating to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Unrecognizable accounts that I found listed on my credit report. The accounts listed below need to be removed due to not having any knowledge of their existence. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2024-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My XXXX payment is past due because the hours that I worked in the month of XXXX were decreased due to illness. I received a notification from XXXX credit monitoring services on XX/XX/year> that my Mortgage payoff amount was increased from {$19.00} to {$22.00} How can Select Portfolio Servicing justify increasing the payoff amount by {$2000.00} due to a late payments.I am aware that i will be charged a late fee when I submit my payment but those fees are usually around {$15.00} per late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint to address a fraudulent account reported on my Clarity Services report, which is in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this matter, this account continues to appear on my report and is being updated inaccurately. 

The fraudulent account details are as follows : Account Number : XXXX Company : XXXX XXXX Account Type : XXXX XXXX XXXX : {$0.00} Current Loan Amount : {$2900.00} Current Balance : {$3000.00} Payment Frequency : Biweekly Only Past Due Amount : {$420.00} Open Date : XX/XX/year> Status : XXXX  days past due Delinquency Date : XX/XX/year> Last Update Date : XX/XX/year> I am the victim of identity theft and have attached my official police report to substantiate this claim. While I have placed a freeze on my Clarity Services report, this fraudulent account is still being updated. This failure to remove inaccurate information is a direct violation of the FCRA, which mandates that credit reporting agencies ensure the accuracy of the information they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number : XXXX To whom it may concern, I am responding to your recent communication regarding the debt referenced above.

According to my rights under the Fair Debt Collection Practices Act FDCPA 15 USC 1692g, I am requesting validation of this debt.

Please provide the following information : Proof that you are authorized to collect this debt on behalf of the original creditor. 
The name and contact information of the original creditor. 
Has there been any insurance claims found on this debt Documentation of the chain of custody for this debt, including any bill of sale. 
A complete history of the account, showing all transactions, payments, and charges. 
The original signature I provided on the contract with this creditor. 

Until I receive proper validation of this debt, I do not acknowledge any obligation to pay and reserve all rights to dispute its validity. 

I also request that all collection efforts be paused until this validation is provided. Any credit bureau reporting regarding this debt must stop. 

If you are unable to validate the debt, I expect confirmation that the debt has been closed and that no further collection attempts will occur. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive recently reviews my annual credit report to purchase property and discovered fraudulent accounts on my report. Per consumer law 15 U.S. code 1681 I would like all inaccurate information removed from my credit report as it is hindering me from establishing positive credit. 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 2024-12-15 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: PA

Complaint narrative:
TransUnion, XXXX, and XXXX have disclosed my personal creditworthiness to numerous third-party inquirers without a valid credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result, I've suffered an informational injury that has a negative impact on my XXXX XXXX due to the number of inquiries. The named credit bureaus have refused to delete said inquiries from my credit report despite my request to do so. Many of the inquirers I do not know of, nor did I consent to their access to my personal creditworthiness, and absent a permissible reason to access my personal creditworthiness, the credit bureaus were unauthorized to disclose my personal creditworthiness to said third-party inquirers. Accordingly, it is requested that said inquiries be deleted from my personal creditworthiness.

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 2024-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: MA

Complaint narrative:
I purchased an item from XXXX XXXX using Afterpay. The package was stolen. I have video footage and a police report. Because Afterpay paid XXXX XXXX upfront and is now taking payments every XXXX weeks from my bank account. NO one wants to take responsibility for refunding or replacing. I have no item and Afterpay is still charging me. Afterpay won't contact the XXXX for a refund ir resolution. Everyone is satisfied but me. I'm paying for an item I never received. XXXX XXXX hired the delivery company, delivered XXXX days ahead of time and without a signature required. Afterpay refuses to resolve this issue, but keeps taking my $ . Afterpay only wants to be the in-between for the $ $ portion only and not when there is an issue. They are like a loan shark. There are numerous complaints on XXXX  against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: AL

Complaint narrative:
I called Sallie Mae in XXXX to make arrangements to pay. We agreed on the amount for me to pay. I am current with the arrangements, however they call me twice a day and email me everyday. I have called them to ask why they have to call me so much, they cant seem to answer the question. This is very aggravating and I hesitate to answer the phone.I am the co-signer on this loan.I just want them to stop calling me unless my payments are delinquent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAND HOME FINANCIAL SERVICES
State: CO

Complaint narrative:
Land Home Financial Services has reported my Mortgage payment as missing over the last 3 months. According to my Checking account and my email receipts everything has been ontime.

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 2024-12-15 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: CT

Complaint narrative:
Upon reviewing my credit report, I noticed some instances as to where it is reported wrong and a handful of late payments. The Credit reporting agencies should be going thoroughly with the most accurate information before the credit is publish. For this student loan i have never missed a payment for. I have proof that on an account that is linked to it, my credit report shows that I have never missed a payment for. I request a more thorough investigation as to why this is being reported on my credit report inaccurately, such statements, showing the late payments. If there is some reason this proof can not be given, I request these late payments be removed and updated on my credit report as I have been consistent with all of my payments on time.

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 2024-12-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. Attached you will find the FTC report, my consumer statements, and my identification proving my identity ; items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail.

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 2024-12-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX  FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS 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 2024-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A request for validation was sent directly to creditor XXXX on XX/XX/scrub> 2024, using the address listed on my credit report. The postal service has returned my disputes because of an invalid address listed on my credit reports. The creditor is intentionally using an incorrect address to avoid communication. Please delete this account under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: AL

Complaint narrative:
To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX Simple account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
After XXXX requests for a debt verification letter the collector has told me I must sign something in order to receive a debt verification letter. I am not going to sign anything. This company has been dishonest and refuses to provide any information or documentation about the amount account or anything else.

Company response to consumer: Closed with explanation