vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report, and I have no idea why they appeared. I routinely check my credit report, but this time, these discrepancies just popped up unexpectedly. I tried refreshing my browser, hoping it was a glitch, but the unauthorized inquiries stayed. I'm incredibly frustrated by this and need the documents I've sent to be thoroughly reviewed, so I can put this issue behind me once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-23 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-23 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-23 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-23 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:
I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address an issue regarding my credit report, specifically related to late payments reported on my XXXX XXXX credit card account. 
I sincerely acknowledge that my account reflects a total of 60 days late payment. which is not indicative of my usual payment habits. Unfortunately, during the time these late payments occurred, I was facing unforeseen personal and financial challenges that significantly impacted my ability to meet my payment obligations on time. While I take full responsibility for the lapse, I want to assure you that these circumstances were exceptional and do not reflect my commitment to fulfilling my financial responsibilities.

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 2024-09-23 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: MD

Complaint narrative:
I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address an issue regarding my credit report, specifically related to late payments reported on my XXXX XXXX credit card account. 
I sincerely acknowledge that my account reflects a total of XXXX days late payment. which is not indicative of my usual payment habits. Unfortunately, during the time these late payments occurred, I was facing unforeseen personal and financial challenges that significantly impacted my ability to meet my payment obligations on time. While I take full responsibility for the lapse, I want to assure you that these circumstances were exceptional and do not reflect my commitment to fulfilling my financial responsibilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
Re : Dispute of Fraudulent Activity and Demand for Correction on XXXX bank credit card I am writing to formally to dispute the fraudulent activity on my credit report from XXXX bank stemming from the unauthorized use of my stolen credit card. Despite my prompt reporting of the theft to the issuing bank and local authorities. Police Report Number : XXXX, Date : XX/XX/2023 Was filed would XXXX XXXX police department. TransUnion has failed to correct the erroneous information. Fraudulent Transactions : I Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 2. Correct my credit score to reflect the removal of these transactions. 3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. Failure to Comply : If transunion fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). Pursue civil litigation under 15 U.S.C 1681 ( Fair Credit Reporting Act ). Seek damages for negligence, defamation, and emotional distress. You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief 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 2024-09-23 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
In XXXX after having deferred my mortgage during XXXX, my mortgage company sold my mortgage to XXXX XXXX. I was initially told when I deferred payments, that they would go to the end of the loan term and I would resume the regular monthly payments once the deferment period was over. When this happened, the mortgage company wanted everything that had been deferred up front, which is why the mortgage went to XXXX. There I have dealt with XXXX XXXX, who set me up on a payment plan to make payments towards the balance owed and continue to pay the monthly mortgage due. He told me that I would continue to get overdue notices because technically it is overdue, but to ignore those and continue to make the agreed upon monthly payments, which I have, without missing a payment since. Just this past Saturday XX/XX/XXXX, I received a letter in the mail from SNServicing attorney, stating that I {$11000.00} within the next XXXX  days in order to bring my account to current, otherwise the foreclosure process will begin. This is the first communication stating this. It also states that they will not accept any payment other than the {$11000.00}. My XXXX payment, had not yet posted. Again, I have not missed a payment and have continuously paid the agreed upon amount each month. XXXX not sure why this is happening. They have also taken away my online access to view and pay on my account. I should not be dealing with any of this, and my mortgage should be current, based on the information that I was given when I originally deferred payments during the world wide pandemic. I need help and I need to get this rectified as soon as possible so as to not lose my home and have my XXXX XXXX affected any further. I am also currently unemployed and under a non-compete and have been for the past XXXX  months. I have very limited income, but have still continued to make the agreed upon monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I called the XXXX XXXX XXXX  XXXX about Mohela and XXXX not processing my application for XXXX for over 13 months now. It is not legal. I am also supposed to be in administrative forbearance and they have not put me in this and continue to play games and send me bills for XXXX and XXXX a month. This is all illegal and I have a federally protected XXXX of XXXX. I demand that the XXXX XXXX XXXX do their job with Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: VA

Complaint narrative:
I recently reviewed my credit report and discovered fraudulent accounts listed. Please remove these accounts, as they are negatively affecting my ability to obtain 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 2024-09-23 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: FL

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, there were unexpected discrepancies. I tried refreshing the page to see if it was a technical glitch, but nothing changed. The unauthorized inquiries remained. I need the documents Ive provided to be thoroughly reviewed to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear CFPB Officer, I am contacting you for the second time regarding inaccurate information in my credit report provided by Experian. Specifically, I am referring to XXXX  XXXX XXXX account XXXX, which reflects late payments forXX/XX/2023 andXX/XX/2024, which I believe are incorrect. 

I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that Experian is violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Violations of the FCRA : 1. Section XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between Experian and XXXX clearly demonstrates a violation of this provision. 
2. Section XXXX ( a ) [ XXXX U.S.C. XXXX ] : After I previously submitted a dispute regarding this account, Experian marked the account as verified without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section. 
3. Section XXXX ( a ) ( 1 ) [ XXXX XXXX. XXXX ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by Experian. 

I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. 

I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.

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 2024-09-23 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: FL

Complaint narrative:
I have no connection to these inquiries, and they do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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:
I have a XXXX balance with the hospitals yet I have XXXX collections from the same hospital on all XXXX  reports. I have sent a screenshot of the XXXX balance with the hospital. The one I don't even recognize as I had never been to that hospital out in XXXX XXXX. They total about 2000 dollars. I have medi-cal insurance which should cover all medical expenses but they refuse to ask the state for what is owed. Now I'm stuck not being able to get housing because of my poor credit score.

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 2024-09-23 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:
Everytime I complain about Equifax they RETIALATE WITH MY CREDIT AND FICO SCORE FOR NO REASON THIS IS ILLEGAL BECAUSE EQUIFAX DOES NOT DO THEIR JOB AND LIES ON PEOPLE 'S CREDIT REPORT THE INFORMATION. NOW THEY DROPPED MY FICO SCORE AND MY CREDIT SCORE FOR NO REASON WHAT XXXX INCREASE ON A CREDIT CARD?? 

THIS IS A JOKE CFP PLEASE FILE A COMPLAINT AGAINST EQUIFAX FOR FRADULENT REPORTING AND RETIALITING AGAINST CONSUMER FOR REPORTING THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I went to XXXX and was robbed for my purse with ID, phone and bank cards. I returned to the XXXX on the XXXX and my card was still being charged because I was locked out of my account via voice identification and could only make a report in person. When I made the report the bank refused to give me my money back even though I was in the XXXX when my card was used and I have a police report from XXXX police regarding the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with explanation