vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX TRANSUNION XXXX CONSUMER 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 2024-03-11 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: GA

Complaint narrative:
Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX XXXX EQUIFAX CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: MD

Complaint narrative:
I would like to dispute the following items on my crdit report : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX Balance : {$15000.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date XXXX Account Number : XXXX XXXX XXXX Account # XXXX Balance : {$310000.00} Date 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 2024-03-11 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: PA

Complaint narrative:
I have XXXX XXXX accounts that were XXXX small loans for a buy. Now pay later they went into collections called XXXX XXXX I paid them in full for one collection and made an agreement to pay to settle for less for the other collection for the past month I have been fighting with a XXXX to update the correct information on my credit report, they keep saying that I have a balance on both with both should have a XXXX balance, because I paid their collection agency in full for one and agreed to settle for less for the other, but it still should show as paid in full. I have called numerous times in the past month and they refused to update the information correctly stating I still owe a balance on both accounts and they have not updated my credit report. I do not owe a balance on either if they communicate with their collection agency properly.

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 2024-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Electronic communications — Frequent or repeated messages
Company: Quality Loan Service Corporation
State: WA

Complaint narrative:
I am an escrow officer in the state of Washington and I have been trying to obtain a payoff statement from Quality Loan Service Corporation of Washington for over a week now to stop the foreclosure of a property I am facilitating the sale of. I originally requested the payoff on Monday XX/XX/XXXX. I called Quality Loan on Tuesday XX/XX/XXXX at ( XXXX ) XXXX and was told they never received my payoff request. I have 5 emails showing that I sent them all of the proper paperwork/authorization/request, but I went ahead and sent it again. They finally were able to tell me that they received my request on Tuesday XXXX. I was told I would receive the payoff on Wednesday the XXXX or Thursday the XXXX at the absolute latest. Thursday I called to check on it again as this is a very rush closing, and I hadn't received the payoff like I was told I would, and I was transferred to the attorney who was handling it. He told me I needed to send an email directly to him and he would get the payoff to me within the hour. His name is XXXX XXXX and his email is XXXX. I sent him the email with all pertinent information like he requested. It is now Monday the XXXX at XXXX, and I still have not received the payoff and nobody is answering my phone calls or emails. I have emailed XXXX, XXXX, and XXXX multiple times asking for an update or an XXXX. I have called Quality Loan Service and left 2 voicemails today, the XXXX. No one is returning my phone calls or responding to my emails. The borrower on the loan is deceased and we are working with the deceased 's court-appointed personal representative, so she really does not have much information about this loan, but I asked that she call in to see if she could speed things along but she was told " We do not have an authorization for you on file so we can not speak with you about this loan '' - I have sent Quality Loan the Letters of Testamentary approved by the courts showing she is the authorized personal representative of the Estate numerous times along with her signed authorization and the deceased party 's death certificate. Quality Loan told me last Thursday that they did receive all of the documentation so I am not sure why the personal representative is getting told they aren't allowed to speak with her. I am not sure what the hold up is but Quality Loan is preventing a closing that will stop the foreclosure from happening. I understand generating a payoff statement takes time, especially for a property that is up against a foreclosure, but I keep getting told unrealistic timelines and now I can't get ahold of anybody that can give me a straight answer. All I am looking for is a payoff statement, or at least a solid XXXX on when I can expect it the payoff statement to be sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
On XX/XX/2023 One Main Financial closed my account with them and charged off a prior loan of {$7400.00} as " bad debt ''. This was then reflected on my credit report showing a {$0.00} balance and closed account. On or about XX/XX/2023 XXXX XXXX XXXX purchased this information from this closed account and reported it as an ongoing debt for myself. I have no written contract with XXXX XXXX XXXX, I have never received any written or telephonic communication from them, and this showed as a debt for me as of XX/XX/XXXX, XXXX pulling my credit score down a day before I was set to apply for a new mortgage loan. The actions of XXXX XXXX XXXX negatively affected my credit score to the point that I am now out of range to qualify for a mortgage loan. I also question the validity of the collection agency as it may be a front or a scam agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit report. 



XXXX XXXXXX/XX/XXXX Experian RESIDENT VERIFY XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-03-11 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: CA

Complaint narrative:
I need these inquired deleted I didn't authorize, and without business purpose. Please help me remove these unconfirmed inquiries.

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 2024-03-11 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:
I need these inquired deleted I didn't authorize, and without business purpose. Please help me remove these unconfirmed inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NJ

Complaint narrative:
I am a victim of fraud/identity theft. I did not authorize XXXX XXXX  to run my credit and add anything to my report. Please delete/ remove this inquiry off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute an error in my credit report provided by Transunion. I have recently discovered that Transunion is reporting an eviction on my credit file that is not only erroneous but also illegal, as it is not reflective of my actual rental history. 

The subject record is in reference to an eviction reported at an address where I have lived for XXXX years and where I have never been evicted. This error is not only damaging to my credit score, but it is also becoming increasingly burdensome financially to my household. 

I believe that Transunion 's reporting of this eviction on my credit file violates several sections of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) which prohibits the reporting of any adverse item of information that is known or should have been known to be false. Additionally, Section 611 ( a ) requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report.

I have never been evicted from this address, and I have lived there for XXXX years. This error is not only damaging to my credit score, but it is also becoming increasingly burdensome financially to my household. I am requesting that Transunion immediately remove this erroneous information from my credit file and provide me with written confirmation that the dispute has been resolved. 

Furthermore, I would appreciate your prompt attention to this matter and look forward to your response. Please note that I am also considering seeking legal action against Transunion for their violation of the FCRA, which may result in additional fines and penalties for the company.

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
for my XXXX  visa card, i'm not sure why there a charge back on the fraud transaction? I have reported those fraud transaction and it's still showing on my account. Also, nobody has contacted me about what's going on etc.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
remove this freeze from my credit file! I can't access my file! Remove this fraud alert I am trying to apply for health insurance however the insurance company can't access my file from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've consistently made sure payments on this account are timely, never allowing them to become overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # 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 2024-03-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On Wednesday, XX/XX/XXXX, I received an email from XXXX requesting that I confirm my residential address. The address on Capital 's file is NO longer my residential address and has NOT been my residental address since XX/XX/XXXX. I called Capital One ( XXXX ) XXXX, to update my current address. I stated my current address. I explained that I have NEVER received my replacement card ( XXXX ) for neither of my expired credit cards. I have encountered this situation numerous times with CapitalOne respresentatives, Capital one automated system states I was mailed/Sent a New Card ( XXXX ), but I have NEVER received any cards from Capitalone. I have absolutely NO idea where Capital One mailed/sent the cards. It is ironic that Capital One has absolutely NO problem accepting my on time Membership payments. The security is OVER Kill!!!! I feel it is discriminatory practice against me a XXXX man. 
This must be shared with others, to determine if in fact discrimination is involved. I do not engage in corruption/fraud activities. I have kept my accounts in good/excellent standing.over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NJ

Complaint narrative:
I have 4 inquiries on my credit report that are fraudulent.

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 2024-03-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I need these inquired deleted I didn't authorize, and without business purpose. Please help me remove these unconfirmed inquiries.

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 2024-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: DHI Mortgage Company
State: FL

Complaint narrative:
Hello, me and my brother have been jumping through hoops to close on a new house from DR HORTON. We both have salaries to support the mortgage and my brother additionally is XXXX XXXX XXXX XXXX XXXX  XXXX. He was in the XXXX XXXX from XXXX to XXXX, and went XXXX XXXX in XXXX. We are at the end of the process after giving our deposit and having the closing moved multiple times. Thenlender is now saying that they wont consider his civilian income because " they '' don't believe he can still be getting paid, despite showing the last 4 months worth of pay stubs since hes been on active, and mulitple years tax returns. Furthermore, they have chosen to only consider using his XXXX XXXX, and not civilian income, which conveniently puts us just over the allowed debt to income threshold. When asked why they wont count it, they have no reason other than their own disbelief. His manager has also written a letter stating that his pay has not and will not be affected by his transition to XXXX XXXX military, as he has always worked in his current capacity. We believe that this is XXXX and military discrimination as my brothers feels as though he is being punished for deciding to serve on XXXX XXXX. They have claimed that they need to see two years of income at the same time, but fail to take into account that he has been in the XXXX XXXX and same civilian job for 7 years now, with the only difference being now he is XXXX XXXX, and performing the same role.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
Since the data breach of XXXX  by XXXX I have consistently had credit accounts on my report that arent mine and incorrect personal information change on my credit report. Additionally my data is being used and sold on the dark web. I have not been able to obtain any credit fairly and it hinders employment and travel. Please eliminate all accounts on all three reports.

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 2024-03-11 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:
Since the data breach of XXXX  by XXXX I have consistently had credit accounts on my report that arent mine and incorrect personal information change on my credit report. Additionally my data is being used and sold on the dark web. I have not been able to obtain any credit fairly and it hinders employment and travel. Please eliminate all accounts on all three reports.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

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