vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Greetings, I am formally requesting a review of unauthorized inquiries on my credit report and urge XXXX, XXXX, and TransUnion to conduct an investigation and clear these entries as mandated by law. The inquiries in question are : 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 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 2024-04-13 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: NV

Complaint narrative:
Greetings, I am formally requesting a review of unauthorized inquiries on my credit report and urge XXXX, Equifax, and XXXX to conduct an investigation and clear these entries as mandated by law. The inquiries in question are : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
Delete account XXXX XXXXXXXX Delete account XXXX XXXX  XX/XX/XXXX Delete account XXXX XXXX XXXX XXXX XX/XX/XXXX Delete account XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX delete account XXXX XXXX XXXXXXXX delete account XXXX XX/XX/XXXX delete account XXXX XXXXXXXX XXXX XX/XX/XXXX. They are in violation of the FDCPA Laws.

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 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
XXXX is still harassing me for a settled debt from XXXX. 

Letter received from XXXX XXXX XXXX XXXX on XX/XX/XXXX that states the exact same message used by XXXX XXXX on XX/XX/XXXX. 

The message says : Our information shows : You had an account with XXXX - XXXX XXXX from XXXX XXXX XXXX XXXX with account number ending in XXXX. 
As of XX/XX/XXXX, you owed : {$370.00} Between XX/XX/XXXX and today : You were charged this amount in interest : Total amount of non-interest charges or fees : + + You paid or were credited this amount toward the - {$54.00} {$0.00} {$0.00} debt : Total amount of the debt now : {$420.00} The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. The current creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt has expired. Even if the statute of limitations is expired, you may choose to make payments on the debt. However, be aware that if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. 

In XXXX message says, Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account for XXXX XXXX XXXX and has initiated a review of the inquiry recently received either directly or from XXXX XXXX, the current servicer of this accour For further assistance, please contact one of our Customer Service Representatives toll-free XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: MO

Complaint narrative:
XXXX is still harassing me for a settled debt from XXXX. 

Letter received from Credit Control , LLC on XX/XX/XXXX that states the exact same message used by XXXX XXXX on XX/XX/XXXX. 

The message says : Our information shows : You had an account with XXXX - XXXX XXXX  from XXXX XXXX XXXX XXXX with account number ending in XXXX. 
As of XX/XX/XXXX, you owed : {$370.00} Between XX/XX/XXXX and today : You were charged this amount in interest : Total amount of non-interest charges or fees : + + You paid or were credited this amount toward the - {$54.00} {$0.00} {$0.00} debt : Total amount of the debt now : {$420.00} The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. The current creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt has expired. Even if the statute of limitations is expired, you may choose to make payments on the debt. However, be aware that if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. 

In XXXX message says, Dear XXXX XXXX, XXXX XXXX XXXX XXXX manages the above referenced account for XXXX XXXX XXXX and has initiated a review of the inquiry recently received either directly or from XXXX XXXX, the current servicer of this accour For further assistance, please contact one of our Customer Service Representatives toll-free at 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 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: American Credit Acceptance, LLC
State: MI

Complaint narrative:
I entered with XXXX XXXX XXXX XXXX XXXX XXXX, For the purchase of a XXXX XXXX XXXX XXXX XXXX, which entered into XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MI XXXX I have XXXX contracts in place with XXXX XXXX XXXX XXXX XXXX XXXX. These contracts are in violation of 12 CFR 1026.23, 15 USC 1605, 12 CFR 360.6, 17 CFR 260.11b-6 section 311 ( b ) ( 6 ), 12 CFR 1026.4 XXXX XXXX XXXX XXXX XXXX XXXX has intentionally withheld pertinent information in order to complete the sales of the finance charges such as the disclosure of my right to rescind. 

As a result of the violation of these Federal Regulation Codes, without further ado, XXXX XXXX XXXX XXXX XXXX XXXX is obligated to rescind the contracts. 

( American Credit Acceptance Lien holder )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2024. I met with my ex-wife to pick up my kids. We agreed to meet at PNC Bank on XXXX XXXX XXXX, XXXX, MD XXXX to handle the funds on a check issued from XXXX XXXX XXXX. The check was issued by XXXX XXXX XXXX for me, the primary vehicle owner & my ex-wife the secondary vehicle owner for {$10000.00}. The representative asked to look over my license, which I didn't understand why she needed to, & she said were good to go. Before driving away from the premises, I went back in to ask why did she only need to review my license. She mentioned that it was for the check that I signed. I told her, maam, I never singed that check. My ex-wife forged my signature & ran off with the full {$10000.00} when there was supposed to be {$5200.00} for both parties. My name was on the check as the primary holder & my ex-wife name as the secondary. 


I am uploading the photo that I took of the check with the forged signature from my ex-wife, also, an image of my handwriting & my correct signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NV

Complaint narrative:
Greetings, Im submitting a follow up complaint to you today to inform you again that I was the victim of identity theft. After visiting the FEDERAL TRADE COMMISSION website https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the investigation of the account that is being posted to my reports. The account is the compilation of account that is not associated with me or have been initiated without my authorization, so now I am requesting that you remove this account from my credit file. XXXX  XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance : {$350.00}.

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 2024-04-13 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: NV

Complaint narrative:
Greetings, Im submitting a follow up complaint to you today to inform you again that I was the victim of identity theft. After visiting the FEDERAL TRADE COMMISSION website https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and XXXX found out that you are required to investigate any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the investigation of the account that is being posted to my reports. The account is the compilation of account that is not associated with me or have been initiated without my authorization, so now I am requesting that you remove this account from my credit file. XXXX  XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance : {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Home loan initially went into default and was sold to a debt collection agency. Filed bankruptcy to prevent the foreclosure process. While in bankruptcy, a loan refinance was initiated, filed and approved by the bankruptcy court. Payments for the original loan amount were still being made despite the reduced, approved amount. The closing process lingered for months. Payments were stopped due to such to where the debt collector initiated a foreclosure process. A different bankruptcy attorney was reached out to and a closing was finally initiated. An additional and approximately XXXX XXXX  plus attorney fees were added to the modified loan. The bankruptcy has now been paid off, but the home loan is currently being paid on with the same debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
UWM reached out when setting up payments from my escrow account and inquired as to my consent to pay my supplemental tax bills. UWM was my loan servicer for the greater part of my first year owning my home at XXXX XXXX XXXX As such the secured tax bill had not updated until the following year, so a supplemental tax bill was created for me to match the property tax owed for XXXX. After getting my consent, they made XXXX payments of {$560.00}, XXXX and XXXX whose amounts I got directly from the Tax Collector for XXXX XXXX XXXX. They had made the last payment late and I never received notification of such in the mail. That late payment incurred a fee and then in turn that amount then became defaulted on, which incurred a XXXX default fee. UWM transferred my loan and escrow accounts with a delinquent balance, so I began incurring monthly fees for {$49.00} until I reached out to XXXX XXXX XXXX XXXX  and investigated this entire matter. If UWM was unable to accept the responsibility of paying my supplemental tax bill, the appropriate course of action should have been to refund me that amount and allow the homeowner to pay those payments. I incurred an obligation of over {$1000.00} dollars as a result of their negligence, and in their response letter contradict themselves in stating they made the supplemental tax bill payments but that supplemental tax bills are the responsibility of the homeowner. I would appreciate some resolution and admission of fault at a minimum from the company. 

Edit : The CFPB closed my complaint without the ability for a response. UWM stated that I reached out for them to arrange to pay my supplemental tax bill on XX/XX/XXXX and XXXX, XXXX. This is accurate, however they stated the tax bill was already delinquent on XX/XX/XXXX. This is inaccurate because the secured tax bill was due the XXXX but the Supplemental was due XX/XX/XXXX as shown on the screenshots from the XXXX XXXX Tax Collectors database. They finally processed the payment over a month after I had asked them to do so on XX/XX/XXXX, causing financial damages due to negligence. I look forward to an updated response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
A writ of garnishment was issued on my joint checking account on XX/XX/XXXX. There was no notification of the write from the bank or the attorney to myself or the other person on the account. All funds that were in the account on XX/XX/XXXX were withdrew and the account showed a negative of the exact amount that was present before the garnishment. The bank was then contacted the same day and an attorneys number and a case number was provided, however the attorneys company was closed so they were then contacted on XXXX. When questioned the attorney stated they had the wrong person and issued a writ of release/quash of the garnishment that day ( XX/XX/XXXX ). They faxed and emailed the Key Bank the legal documentation. Nothing changed in the account so the following day XX/XX/XXXX the attorney was then contacted again, in which they directly emailed the documentation to us, which was then sent directly to the branch. The branch then faxed the legal documents at XXXX to their legal department and were told immediate action will be taken. At XXXX the branch was approached directly and the banking representative that was assisting when the incident was first looked into ended up on the phone for XXXX minutes, the current branch manger then stepped in and reported there was nothing they could do although they had the legal documentation in the hands that stated the funds should be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NJ

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: IL

Complaint narrative:
I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report.

I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report Also how are they even reporting this on my report when the information reporting is inaccurate. Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation and once again needs to be DELETED!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: IL

Complaint narrative:
I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights. 
This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report Also how are they even reporting this on my report when the information reporting is inaccurate. Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation and once again needs 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 non-monetary relief
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
I understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
As per FCRA 605B, it's obligatory to remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in some of the listed accounts concerning their reporting. These accounts must be removed promptly.

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 2024-04-13 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: FL

Complaint narrative:
I understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.

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 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I respectfully request the removal of late payment remarks and a modification to show a positive status indicating payment in accordance with agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request the removal of late payment remarks and a modification to show a positive status indicating payment in accordance with agreements.

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