vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-09-07 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: CA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : Subject : Dispute of Negative Credit Information Resulting from Equifax Data Breach I am writing to dispute inaccurate and negative information that has been reported on my credit report as a result of the data breach that Equifax suffered. As you are aware, the breach exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, driver 's license numbers. As a result of this breach, I believe that fraudulent activity may have affected my credit report and resulted in inaccurate reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incorrect or the result of identity theft. According to Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputes, and if any information is found to be inaccurate or unverifiable, it must be promptly corrected or removed from the credit report. 

Specifically, I am disputing the following items on my credit report : XXXX XXXX - Account number : XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX I am requesting that these items be investigated and corrected or removed from my credit report. I believe they are the result of fraudulent activity and should not reflect negatively on my credit history. 

Please investigate this matter and provide a response within the 30-day period required under the FCRA. I also request that Equifax send me a copy of the corrected report once the investigation is complete, and that any corrections be communicated to other credit reporting agencies. 

In the meantime, I ask that a note be added to my file stating that this information is disputed and under investigation in compliance with Section 611 of the FCRA. 

Attached are copies of my identification, proof of address, and any supporting documentation related to this dispute. I appreciate your prompt attention to this matter and look forward to your timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have paid of this vehicle and I have made all payments on time and the auto company is reporting that my payments were late and there are many payments showing on my credit account that shows they been over 30days late. That is crazy! My payments have been on time and they need to fix this issue, as this is causing a negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My wife and I cosigned on private loans for the below. We would like a XXXX XXXX XXXX application due to navient and XXXX  giving preferential treatment to private loans. They knowingly lied about the credits transferring to other schools and the legitimacy of the school. My son is almost XXXX years old and still paying on loans that did not help his life in any way. 

Loan Type XXXX  School XXXX XXXX - XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX Disbursement Date XX/XX/2006 Original Principal {$13000.00} Total Accrued Interest {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My account is restricted and I dont know why and i was told to wait for a reference number and I did and when I gave them the reference I received they said it was the wrong one so I asked for my money to be withdrawn from my account and they keep telling me no I cant get my own money that I need to pay my bills and survive. Everytime I talk to someone they eventually hang up like its scam or something.

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 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I found out from Experian that XXXX XXXX XXXX reported : XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX XXXX XXXX as my address. I never lived in that address and dont recognize that address. XXXX XXXX is not willing to take care of this issue. I would like Experian to remove that 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 2024-09-07 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
The company nis trying to charge me twice for what seems to be the same account. {$2700.00} and {$2600.00}. I have been disputing these fraudulent accounts since 2023. I have requested Validation of Debt, Collection Agency License, Original Contract with my signature, acknowledgement of receipt of police reports and affidavits of identity theft, detailed methods of verification all of which have been ignored. I have even provided the company with a complete printout of FCRA-605b to explain that a fraudulent account can't legally be sold or reported after proof of such has been provided, which it has.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # : XXXX Account # : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-09-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # : XXXX Account # : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I needed help with property taxes because of the pandemic and hurricane Ida damage. Three years ago, I started seeking help from NJ for the mold and rodent problem caused by Ida. No help there. 
Carrington paid the taxes to help but added items to what I owed them, especially in determining residency and appraisers, etc. Currently, I owe them some {$28000.00} outside of the {$300000.00}. Unbeknownst to me they went ahead with foreclosure and now a sheriff 's sale on XX/XX/XXXX. I had asked for a postponement XX/XX/XXXX because of medical issues. In the meantime I held out hope for financial assistance from the state. I figured if I could fix the mold and rodent problems, I would be able to get a fair market value for the sale of the house rather than foreclosure. XXXX is interested in another class action against Carrington and asked me to be a plaintiff. This involves padding charges, charging for services not necessarily done. I contacted Carrington for a total list of transactions on my account on XX/XX/XXXX. 
I am XXXX XXXX XXXXr on a fixed income. My home is where my business is. I have not been able to work full time as that area is where the mold is. 
Carrington has been very hard to contact or communicate with. I have used email, snail mail and fax. I called a number and person to call. I left a voicemail which was never answered. Their law firm served me in XXXX. They asked for info which I sent them to ask for a chance to get on my feet as I had surgeries scheduled. They never acknowledged it. The next item was to respond to them about disputing charges. I did but they did not acknowledge it. My next thing I know is the sheriff 's sale is on. I have known this since early last week. Today I received their letter about the sheriff 's sale. If Carrington and their law firm had written before or at least kept me in the loop, I believe I would have had time to try more avenues for relief. They strung me along and bam - the sheriff 's sale. I did not choose Carrington. The original lender was XXXX Mortgage who sold it to XXXX which went bankrupt and Carrington took over. Please caution older people about reverse mortgages. Rules and regulations were changed after I got the mortgage. I tried to refinance when I had more assets at least 4 times. Now my only assets are a XXXX XXXX XXXX cargo van and my artwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: CA

Complaint narrative:
I just opened this card in XXXX, but never received the card in the mail. I called the credit card company to request a new card be sent because I never received the first one. The credit card company said they were sending me a new card and were waiving all late fees. Once I got my credit card in the mail, I then made a credit card payment of my full balance minus the late fees because they said they were waiving the late fees. I even called a second time to make sure all of the late fees were being waived because it had been a couple months since I opened the account. They assured me they were waiving all late fees. Yet, then they reported a {$55.00} late fee as a missed payment to the credit bureau. Its the first missed payment that Ive had reported to the credit bureau in my 17 years of having a credit card. This late payment reporting reduced my credit score overnight by over XXXX points. I called the credit card company again after I saw this late payment posting, and they removed that late fee, but refused to remove the late payment reporting to the credit bureau.

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 2024-09-07 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: CA

Complaint narrative:
I just opened this card in XXXX, but never received the card in the mail. I called the credit card company to request a new card be sent because I never received the first XXXX. The credit card company said they were sending me a new card and were waiving all late fees. Once I got my credit card in the mail, I then made a credit card payment of my full balance minus the late fees because they said they were waiving the late fees. I even called a second time to make sure all of the late fees were being waived because it had been a couple months since I opened the account. They assured me they were waiving all late fees. Yet, then they reported a {$55.00} late fee as a missed payment to the credit bureau. Its the first missed payment that Ive had reported to the credit bureau in my 17 years of having a credit card. This late payment reporting reduced my credit score overnight by over XXXX points. I called the credit card company again after I saw this late payment posting, and they removed that late fee, but refused to remove the late payment reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just opened this card in XXXX, but never received the card in the mail. I called the credit card company to request a new card be sent because I never received the first XXXX. The credit card company said they were sending me a new card and were waiving all late fees. Once I got my credit card in the mail, I then made a credit card payment of my full balance minus the late fees because they said they were waiving the late fees. I even called a second time to make sure all of the late fees were being waived because it had been a couple months since I opened the account. They assured me they were waiving all late fees. Yet, then they reported a {$55.00} late fee as a missed payment to the credit bureau. Its the first missed payment that Ive had reported to the credit bureau in my 17 years of having a credit card. This late payment reporting reduced my credit score overnight by over XXXX points. I called the credit card company again after I saw this late payment posting, and they removed that late fee, but refused to remove the late payment reporting to the credit bureau.

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 2024-09-07 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: MI

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In Accordance, with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.Thank you for your prompt 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 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: IL

Complaint narrative:
My name is XXXX XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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:
I realized this is on my credit report and this is not mine, never had this card before please help deleting 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 2024-09-07 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:
I realized this is on my credit report and this is not mine, never had this card before please help deleting XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Several unauthorized Inquiries on my credit report, I did not authorized these institutions to run my credit report. Please remove these inquiries off my report. 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 explanation