vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: NC

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: OH

Complaint narrative:
Despite my persistent efforts to contest the inaccuracies in the information provided to Equifax, XXXX, and XXXX, unfortunately, the issue remains unresolved up to this point. 

Equifax : 1. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX  Account Number XXXX XXXX Please remove this inaccurate information from my credit report. 


XXXX : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 12.  The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX XXXX XXXX 13. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number : XXXXXXXX  Please remove this inaccurate information from my credit report. 
14. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX  XXXX Account Number : XXXX Please ensure that all information is accurate 15. Under 15 US Code 1692f ( 1 ). Unfair Practices JXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
16. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
17. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX. The following personal information is incorrect Employers : XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number XXXX XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: OH

Complaint narrative:
I still have numerus number of unauthorized inquires on my TransUnion report. 

I did not authorize these inquires below that are reporting on my TransUnion credit report : 1. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX Please remove these accounts. I did not authorize the inquires Please advise

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Individuals began following my bills and payments in XXXX mail. 
They opened online banking. 
Individuals continue to call checks to be held by company and then cashed. This practice started XXXX. It has not stopped. 

I have alerted the Bank. 
I have had XXXX bills stolen and packages from my front door. I have alerted the local Police department. I have alerted the Sheriff 's department. 

I have complained to XXXX. 
I have opened 2 XXXX XXXX in area. 

Individuals continue to steal and XXXX. 

It has prevented me from gainful employment. 

I believe I am a victim of slander. 

I accuse employee at Wells Fargo XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX, XXXX XXXX XXXX, Equifax Dispute Center I am writing to dispute inaccurate information on my credit report. I recently received a response from XXXX and XXXXXXXX XXXX regarding an account that has been reported on my credit file. The information provided by XXXX and XXXXXXXX XXXX does not align with the information reported by XXXX, Equifax, and XXXX, and has resulted in discrepancies in the reported dates and amounts associated with the account. 

According to the response from XXXX and XXXX XXXX, they reached out to XXXX and confirmed that the account was assigned to a debt collector and settled for {$800.00}. However, the information provided by XXXX, Equifax, and XXXX does not reflect the same settlement amount or date. This inconsistency has significantly impacted my creditworthiness and has the potential to harm my financial standing. 

I am requesting a thorough investigation into this matter and urge XXXX, XXXX and Equifax to update the information on my credit report to accurately reflect the settlement and any other relevant details regarding the account in question. I also request that XXXX provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding this issue, as it violates the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information. 

Please find enclosed copies of relevant documentation supporting my dispute, including the response from XXXX and XXXX XXXX  and any other pertinent information. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the inaccurate information from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX, Experian XXXX XXXX, XXXX XXXX XXXX I am writing to dispute inaccurate information on my credit report. I recently received a response from XXXX and XXXX XXXX regarding an account that has been reported on my credit file. The information provided by XXXX and XXXXXXXX XXXX does not align with the information reported by XXXX, XXXX, and Experian, and has resulted in discrepancies in the reported dates and amounts associated with the account. 

According to the response from XXXX and XXXX XXXX, they reached out to XXXX and confirmed that the account was assigned to a debt collector and settled for {$800.00}. However, the information provided by XXXX, XXXX, and Experian does not reflect the same settlement amount or date. This inconsistency has significantly impacted my creditworthiness and has the potential to harm my financial standing. 

I am requesting a thorough investigation into this matter and urge XXXX, Experian and XXXX to update the information on my credit report to accurately reflect the settlement and any other relevant details regarding the account in question. I also request that XXXX provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding this issue, as it violates the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information. 

Please find enclosed copies of relevant documentation supporting my dispute, including the response from XXXX and XXXXXXXX XXXX and any other pertinent information. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the inaccurate information from my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
I have received repeated phone calls from Phoenix Financial Services ( aka PFS LLC ) that shows up on my phone as Spam. When I finally answered there was a long pause and a woman finally tried to prounounce my name but was barely able to get it out -- my name isn't that hard. I asked her to tell me who this was and to pronounce my name correctly. She started to argue with me and say she did prounounce it correctly ( she didn't ). I asked her to remove me from her list and to stop calling. She continued to argue with me and then hung up. 

This is a debt collection firm and I do not have any outstanding debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened to purchase underwear. Undergarments were stolen off front of house address. 

XXXX XXXX underwear stolen and replaced without receipt on porch/ front of XXXX XXXX. 

Credit card was open and closed and opened new cards not replaced cards. Effected my credit score XX/XX/30 points drop for hits on credit history. 

Paper bills not sent to house address.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Commenity Bank : Victoria Secret Credit card Lane Bryant Credit card Store Cards were opened to purchase underwear. Undergarments were stolen off front of house address.

Lane Bryant underwear stolen and replaced without receipt on porch/ front of USPS address.

Credit card was open and closed and opened new cards not replaced cards. Effected my credit score XX/XX/30 points drop for hits on credit history. 

Paper bills not sent to house address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Hello, I recently paid off my car approximately XXXX months early without one missed payment. After XXXX weeks I reached out via email to the company regarding when my title would be released and did not hear back. In addition, I overpaid by {$1.00} and instead of a check they sent me a debit card that I did not approve with a {$1.00} balance AND a {$3.00} a month fee for using it in the fine print. When I called to request a check and to get my release date the account didn't register with the automated system because it was closed and I had to go through XXXX minutes of prompts to then be told that all they could do was send me to the customer service related to the debit card to activate the card. When I requested a check they hung up on me. In addition, no idea when I will even see my title that I worked really hard to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX, I scheduled an online payment, with Synchrony Bank Rooms To Go, in the amount of {$100.00}, via automatic debit, to be processed with the XX/XX/XXXX. This was an error as the date should have been XX/XX/XXXX. Immediately realizing the error, I canceled that payment ( or so I thought ) and scheduled a new payment for XX/XX/XXXX. On XX/XX/XXXX, I received notice that my scheduled payment for {$100.00} on XX/XX/XXXX had posted to my account. The payment was also withdrawn from my checking account. As a result, I went online to cancel XX/XX/XXXX scheduled payment. Despite the " cancel payment '' option being available I received the message, " we are unable to cancel your payment at this time. Please try again later. '' so I called Synchrony Bank Rooms To Go customer service and requested that they cancel my XX/XX/XXXX payment. The representative stated that she can see the scheduled payment, but does not have access to cancel the payment. She stated that the only thing she could do was refund me the payment that was recently processed on XX/XX/XXXX. I initially agreed to the refund, but then she states that the refund will be sent in the form of a check by mail and could take 2 to 3 weeks. I advised that would not work. I asked why I couldn't cancel my payment online despite having the option available to me. She said I can't cancel a scheduled payment online. They can only issue refunds on payments that were already processed. She advised that I call my bank to cancel the scheduled payment.

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 2024-03-05 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:
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 seven 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 explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK

Complaint narrative:
Our loan was switch from XXXX XXXX to Pennymac in sometime in XXXX. In XXXX Of XXXX, my XXXX XXXX  baby got XXXX XXXX XXXX  at the same time. Then XXXX went through our home. Being the sole provider, I was out of work for an entire month trying to heal from the effects. I called pennymac to try and get some help in XXXX and they rolled my XXXX payment into XXXX XXXX XXXX. They made me believe this was my only option but it still wasnt plausible for my family. I got online in XXXX to see if I could get some assistance with mortgage. I got a call from XXXX XXXX in regards to this inquiry. XXXX stated to me that " Pennymac '' was doing some illegal things and even used words like fraud and gave me the choice to hire them. They said that pennymac was given XXXX XXXX dollars for loan forgiveness. Told me I could do all the things they were doing by myself but made it seam impossible. Through the XXXX  month process that XXXX took me through, they told me not to worry and that they were trying to get my debt forgiven and get my payments lower. They told me this through the whole process so naturally I thought the XXXX month debt would be forgiven. After the process, pennymac comes with this deal saying they will put all the payments that I didn't pay on the back of my loan. XXXX told me this was my only option. So by XXXX of XXXX I was back to paying full mortgage. Having paid XXXX {$5000.00} TO tell me that I'm in the same boat. Now that we are in XXXX, pennymac has now raised my mortgage {$400.00} a month and when I called, they could not tell me why. They tried to tell me my taxes did it but my taxes did not change. I'm afraid I'm going to lose my home because there isn't any way that I can sustain payments this large.

Company response to consumer: Closed with explanation