vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


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 2024-10-28 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: SC

Complaint narrative:
On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are purposely furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 15 days, I will file a suit and will follow up with an Invoice of Each Violation.

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 2024-10-28 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: LA

Complaint narrative:
I was told that my previous FTC report was invalid. I am resubmitting the report. please see attached

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
I was stunned to see incorrect accounts appear on my credit report today without any warning. I check my report regularly, and this has never happened beforethese errors just came out of the blue. I tried refreshing the page, thinking it might just be a tech issue, but the inaccuracies stayed put. Im urging a careful review of my documents so I can put this to rest once and for all.

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 2024-10-28 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:
According t 15 U.S.C 1681B a credir inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, i have the right to dispute inaccurate information on my credit report. The following inquiries werw not authorized by me, and i request that they be removed from my credit report immediately : 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 XXXXXX/XX/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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : I am writing to express my dissatisfaction with the recent issues I've encountered regarding my credit report access account from Equifax. Despite multiple attempts to resolve the account issues, the problems remain unaddressed. 

Specifically, I have contacted Equifax to resolve the issue, but their agents simply respond that the issue has been escalated to technical department. However, after months and multiple inquiries for the same problem, the account access has not been resolved nor the technical department has ever reached out. 

I request that my account access login be made available. 

Thank you for your understanding and cooperation. 

SincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Servicer received a notice of request of debt validation on multiple occasions. Company issued a response that they will respond with the information requested ; Mortgage servicer failed to produce the request information for validation.

Servicer failed to produce the original note. They have violated several laws and regulations : *Federal Laws : * 1. *Truth in Lending Act ( TILA ) * : 12 CFR 1026.3 ( c ) - Requires lenders to provide evidence of ownership.

2. *Real Estate Settlement Procedures Act ( RESPA ) * : 12 CFR 1024.21 - Mandates lenders provide documentation upon request.

3. *Uniform Commercial Code ( UCC ) * : Article 3 - Governs negotiable instruments, including mortgage notes.

*State Laws : * 1. *Uniform Securities Act* : Requires lenders to maintain accurate records.

2. *State-specific mortgage laws* : ( e.g., California 's SB 1137 , Florida 's HB 919 ).

*Regulatory Violations : * 1. *Consumer Financial Protection Bureau ( CFPB ) * : Mortgage Servicing Rules ( 12 CFR 1024.38 ) 2. *Federal Reserve System* : Regulation Z ( 12 CFR 226.3 ) *Potential Violations : * 1. Failure to provide documentation ( TILA, RESPA ) 3. Failure to maintain accurate records ( Uniform Securities Act ) 4. Unfair or deceptive practices ( CFPB, Federal Trade Commission ) *Consequences : * 1. Fines and penalties 2. Lawsuits and settlements 3. Regulatory action 4. Damage to reputation *Remedies : * 1. Permanent Injunctive relief 2. Damages 3. Rescission of loan 4. Dismissal of foreclosure *Important Cases : * 1. *Carpenter v. Longan* ( 2009 ) - Established requirement for lenders to produce original note.

2. *Harrington v. MERS* ( 2011 ) - Held that failure to produce note can void foreclosure.

*Resources : * 1. National Consumer Law Center ( NCLC ) 2. Consumer Financial Protection Bureau ( CFPB ) 3. Federal Trade Commission ( FTC ) 4. Local real estate attorneys

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
please remove all these inaccurate addresses and phone numbers immediately from my credit reports. i am not associated with these addresses anymore in any way and they are not correct. ive highlighted them in the attachments. 

thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
added information to the first dispute .... 

This additional letter provides further details to support my initial dispute, with a focus on ensuring compliance with XXXX XXXX standards. I am requesting the immediate removal of inaccurate items and corrections to my payment history. 

Thank you for your prompt attention to this matter.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I was contacted by a person that supposedly was helping me to set up an account with Coinbase and XXXX XXXX both real apps used to trade XXXX currencies and everything was fine as i was able to transfer funds to these applications directly from my bank, I initially transferred XXXX USD and started trading but this person keep asking to increase funds to have the chance to get better profits within every transaction then i have added another XXXX USD and they I did a wire for XXXX Usd on XX/XX/XXXX, to increase the funds, by doing this I was able to gain profits of XXXX USD, when i have reach this amount i have decided to withdrawal but after my submission de XXXX wallet team have asked to prepay taxes then I have processed another wire for XXXX usd on XX/XX/XXXX, to be able to prepay taxes as I was convinced that this was the only options to withdraw my funds bit once they have received the taxes payment now they are requesting another deposit for XXXX usd in order to get my funds withdrawal of course i am not able to do that and it seems that if i not deposit that money they will freeze my money for ever

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern : Dear Madam/Sir, I write as I believe Capital One is not acting with the best interest of consumer 's in mind. I say this because I recently tried to change my payment due date, in order to align with broadly adhered to payment scheduled from employers ( XXXX and XXXX of every month ). Capital One does not let Consumers choose payment due dates but rather gives them four/five options generated by " the system '', and where human customer service reps seem to be unable to over-ride this. 

This is not the case for any other credit card lender that I know of I have several credit lines with various banks. It is my belief that this lack of regard for when it makes most sense for a Consumer to pay his/her credit off is a form of predatory lending. One where a bank, in this case Capital One, can allow for a well intentioned Consumer to miss a payment or not meet their min. payment, and thereby charging them interest and a collecting monies unduly. 

I urge the CFPB to connect with CapitalOne and have them implement the industry wide standard of allowing Consumers to choose their payment due date ; a date that works for their financial situations. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: IL

Complaint narrative:
I am submitting this complaint regarding Equifaxs failure to respond to my request to correct inaccurate information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite having submitted a formal request for correction, I have yet to receive confirmation or action from Equifax to address these inaccuracies. 
I filed my formal dispute with Equifax on XX/XX/year>, providing documentation to verify my correct address and legal name. I requested the removal of any outdated or inaccurate information, as is my right under the FCRA. However, to date, I have not received any response, confirmation of receipt, or evidence of investigation or correction from Equifax.Details of the Requested Corrections : Address Correction : o My only valid address is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
o I requested the removal of incorrect addresses that do not reflect any current or past residence. 
XXXX. Name Correction : o My legal name should be listed as XXXX XXXX XXXX XXXX, and I requested the removal of any aliases or incorrect variations. 
XXXX lack of response directly impacts the accuracy of my report and, consequently, my credit history. I believe that this issue requires CFPB intervention to ensure that Equifax meets its obligations under the FCRA and that my report reflects only verified and accurate information.Action Requested from the CFPB : I respectfully request that the CFPB investigate this matter to ensure that Equifax adheres to FCRA standards for accuracy and timely response. I appreciate your attention to this issue and trust that measures will be taken to uphold consumer rights in my case and for the benefit of others. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: IL

Complaint narrative:
I am submitting this complaint regarding Equifaxs failure to respond to my request to correct inaccurate information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite having submitted a formal request for correction, I have yet to receive confirmation or action from Equifax to address these inaccuracies. 
I filed my formal dispute with Equifax on XX/XX/year>, providing documentation to verify my correct address and legal name. I requested the removal of any outdated or inaccurate information, as is my right under the FCRA. However, to date, I have not received any response, confirmation of receipt, or evidence of investigation or correction from Equifax.Details of the Requested Corrections : Address Correction : o My only valid address is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
o I requested the removal of incorrect addresses that do not reflect any current or past residence. 
XXXX. Name Correction : o My legal name should be listed as XXXX XXXX XXXX XXXX, and I requested the removal of any aliases or incorrect variations. 
Equifaxs lack of response directly impacts the accuracy of my report and, consequently, my credit history. I believe that this issue requires CFPB intervention to ensure that Equifax meets its obligations under the FCRA and that my report reflects only verified and accurate information.Action Requested from the CFPB : I respectfully request that the CFPB investigate this matter to ensure that Equifax adheres to FCRA standards for accuracy and timely response. I appreciate your attention to this issue and trust that measures will be taken to uphold consumer rights in my case and for the benefit of others. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: MN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Hi I am writing about having my payment money Transfer request REVERSED and REFUNDED as REMITLY did due to SCAM and false INVESTMENT tactics with proof and account of RECIPIENT and Illegal business practice and FALSE pretense and reported to FTC ... Federal Trade Commission with XXXX XXXX and Website of ALLEGED transaction Overseas and demand immediate REVERSAL and Investigation into XXXX and recipient named in the business TRANSACTION money transfer to XXXX XXXX XXXX and account with records and trnctiona and legal documents including REVERSAL and WARNING from REMITLY SUSPICIOUS Activity that PROVED to PROTECT consumers from such ILLEGAL and possible PHISHING PYRAMID SCHEME to efraud CONSUMER and INVESTORS through failure to Detect and REPORT incidents to the FTC Federal Trade Commission of such Fraudulent Business TRANSACTION and PRACTICES with PROOF of scheme and COMMUNICATIONS APP to Illegally conduct its Fraudulent and INVESTMENT tactics and False and MISLEADING I formation to decieve consumers and investors by clients in other countries or hidden social media undetectable with ACCOUNTABILITY to report and XXXX down such PRACTICES to crackdown and report any SUSPICIOUS Activity with proof and or Business dealings... .attachments, documents, transactions, and RECORDS of such Fraudulent and Decietful of such Buiness transaction and consumer complaints and theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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