vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: AR

Complaint narrative:
I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all XXXX credit bureaus ( XXXX XXXX and TransUnion ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW!

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in 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 modify 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 According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) IT TOOK LONGER THAN 30 days on my investigation therefore these items by law have to be deleted

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 2024-12-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all XXXX credit bureaus ( XXXX Equifax and XXXX ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW!

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in 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 modify 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 According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) IT TOOK LONGER THAN 30 days on my investigation therefore these items by law have to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX, Pennymac requested proof of home insurance for our property in XXXXXXXX XXXX XXXX. We uploaded our master insurance policy ( effective XX/XX/XXXX to XX/XX/XXXX ) through their online portal. On XX/XX/XXXX, Pennymac reviewed and accepted this document, sending us a notice stating : " The lender-placed coverage we reserved on your behalf has been canceled effective XX/XX/XXXX. ( see attached ) '' However, on XX/XX/XXXX, Pennymac unexpectedly asked us to provide proof of XXXX insurance coverage for the period XX/XX/XXXX to XX/XX/XXXX. They warned that if we could not provide this proof, we would be charged for coverage during that time. This is the first time Pennymac has ever requested coverage beyond our master policy, and they are now asking us to obtain insurance retroactively. Purchasing insurance for an already-passed period is not only impossibleits completely unreasonable. 

Pennymac has since followed up twice, stating that if we can not provide the requested evidence, we will be charged {$110.00} for the coverage spanning XX/XX/XXXX to XX/XX/XXXX. Yet, after reviewing our mortgage statement today, we discovered that Pennymac created a new escrow account. Beginning next year, they plan to raise our monthly payment by {$34.00} for 12 months, totaling $ XXXXfar exceeding the previously mentioned {$110.00} ( see attached ). Furthermore, there is no assurance that these charges wont continue to escalate over time. 

We find this situation unfair for several reasons : Conflicting Information and Lack of Communication : If Pennymac found our initial evidence insufficient, why did they send a notice confirming that the lender-placed coverage was canceled? From XX/XX/XXXX until XX/XX/XXXX, there was no mention of needing XXXX insurance for the earlier period. How can a customer be expected to purchase insurance retroactively? Moreover, how can a {$110.00} fee supposedly protect our property or the lenders interest now, when the coverage period has already passed? 

Billing Discrepancy : While the initial notice suggested a {$110.00} charge, our new mortgage bill indicates a {$400.00} increase over the coming yearnearly four times the original amount. This discrepancy is unreasonable and misleading, leaving us uncertain about potential future costs. 

We respectfully request that Pennymac investigate and resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX of the leading global information services groups, experienced a significant data breach in XX/XX/year>. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information

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 2024-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Genesis Management DBA Columbia Debt Recovery is back harassing me & on my credit report as active and open! I filed a complaint already with you guys on Genesis Management but they are now trying to collect as Columbia Debt Recovery. You already closed this account as charged off but they are illegally trying under another name. I also need this company removed from my credit report as its affecting my credit. Genesis Management DBA Columbia Debt Recovery is fraudulent and illegal. They dont have my permission for none of this scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all XXXX credit bureaus ( XXXX Equifax and XXXX ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW!

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in 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 modify 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 According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) IT TOOK LONGER THAN 30 days on my investigation therefore these items by law have to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I spoke to XXXX and his mechanic about a problem that XXXX XXXX stated may be the problem with the car vibrating. I asked if the mechanic could diagnose my XXXX XXXX XXXX XXXX. The mechanic said he could. After repairs were done. I picked up the vehicle and the problem was worst. The vehicle had to be towed twice. After questioning the management, management referred me to the XXXX XXXX because they lied about having the computer software for diagnosing my XXXX. I asked Easy Pay XXXX for their contract. Initially, they were reluctant to provide it. When I read the contract, it stated that it was a lease contract and any payment that was defaulted on would result in the leased equipment being returned. How do you return leased equipment and or a part installed on a vehicle. Easy Pay XXXX failed to investigate the misrepresentation of the XXXX located at XXXX XXXX XXXX XXXX. XXXX, Tx XXXX regarding the lack of XXXX software to diagnose my vehicle prior to ordering and putting the wrong part on my vehicle and then telling me to go to the XXXX XXXX. These actions by XXXX were part of a series of incidents involving law enforcement using overcharging me for car repairs as retaliation for filing a lawsuit on police corruption. I believe XXXX has a contract on XXXX police vehicles. As I stated, I filed this complaint last year with the CFPB but the email transmission was intercepted from my phone computer. The CFPB complaint was deleted from the CFPB data base. Here is the complaint no. XXXX. I receive bills from EasyPay XXXX despite my claim that they have engaged in deceptive trade practices and I'm want to sue them for deceptive trade practices with a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax In XXXX of 2017, Equifaxannounced a data breach that exposed the personal information of XXXX XXXX people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There is a incorrect collection on my account with capital one bank card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
After a period of financial hardship this year, I was unable to timely payoff several loans with Affirm. For one of the Affirm with an amount due that exceeded {$600.00}, the company sent an email on or around XX/XX/2024 indicating that the loan had been charged off. The amount charged off was {$640.00} and I recently made a payment through a collections partner which has reduced the amount owed. I have yet to receive a 1099-c form for the debt cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
account # : XXXX I am writing to dispute inaccurate information reported on my consumer report under the above-referenced account. This complaint serves as a formal request under the Fair Credit Reporting Act ( FCRA ) to remove the following inaccuracies : 1. Date Opened : XXXX reports the date as XX/XX/year>, while XXXX and XXXX list it as XX/XX/year>. 
2. Last Reported Date : Each bureau has a different date : XXXX ( XX/XX/year> ), XXXX ( XX/XX/year> ), and XXXX ( XX/XX/year> ). 
3. Payment History : XXXX and XXXX incorrectly report 60-day late payments for XXXX and XX/XX/year>, while XXXX reports only 30 days late. I contest these as inaccurate. 
4. Date of Last Payment : XXXX reports the last payment date as XX/XX/year>, while the others list XX/XX/year>. 

Under the FCRA Section 607 ( b ), credit reporting agencies are obligated to ensure maximum possible accuracy of the information reported

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a {$50.00} Amex prepaid gift card as a gift either late last year or earlier this year. I did not try to use it until recently ( XX/XX/year> ). On my first attempt, the card was declined ( card does not expire until XX/XX/year> ). I called Amex customer service and they said my card was compromised. Thus, they sent me a replacement card, and the new card came in the mail about one week later. I activated the card and tried to use the new card ( which was listed as active when looking up the card/balance on their website ), however the card still declined. I called their customer service again, and they informed me that I just need to try again and make sure to enter the 3 digit security code when purchasing. I followed all instructions from customer service rep when trying to purchase again, however my card was still declined. Im aware this is a widespread issue with many other individuals with this Amex prepaid gift card. Amex needs to provide me with a refund and fix this problem so other people do not get scammed out of their hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion Reports Data Breach Severity Jumped 31 % in... 


TransUnion XXXX XXXX XXXX XXXX 

The severity of data breach risks rose to the highest level in two years during the first  quarter of 2024, increasing 31 % from the same period last 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 explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A data breach at XXXX XXXX, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced byXXXX XXXX XXXXXXXX An unauthorized party apparently a ransomware group known asXXXX accessed the customers ' information through XXXX XXXX XXXX  system, notXXXX XXXX XXXXXXXXXXXX XXXX, according toa letterXXXX XXXX sent to affected customers, publishedby Maine 's attorney general.Bank of Americaprovided standard two-year identity theft protection to the affected customers. 

The breach occurred XXXX XXXX, according to the letter, and XXXXXXXX XXXX notifiedXXXX XXXX XXXXabout the breach on 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 2024-12-08 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
On XXXX XXXX XXXX XXXX ran my credit report many times affecting my credit score without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On 11/02/2024, 11/13/24, 11/14/24, 11/26/24 ran my credit report many times affecting my credit score without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I opened a Citi Regular Checking account because Citi Bank offers {$450.00} welcome bonus for new customers. I funded the account for {$1500.00} on XX/XX/year> and another {$4500.00} on XX/XX/year> ( both from my personal checking account at XXXX XXXX XXXXXXXX ) to fulfill the requirements to receive the welcome bonus. However, when I tried to transfer {$6000.00} back to the same checking account at XXXX XXXX XXXXXXXX on XX/XX/year>, Citi Bank claimed that I violated the client manual and would close my account. My {$6000.00} was withhold by Citi Bank and the {$450.00} bonus was neither received.

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 monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I have called this company and have paid this bill off however before transfering service providers. This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation