vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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:
Credit reports shall not reflect transactions made between consumers and the person making the credit report ( 15 USC 1681a ( 2 ) ( A ) ( i ) ). 

Account opened in XXXX shows no payment history for XXXX or XXXX. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 15 USC 1681 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am writing to formally file a complaint against Discover Financial Services regarding a disputed charge on my credit card for a bed frame purchase that was never resolved satisfactorily. 

1. 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/year>, I purchased a bed frame from the merchant ARTICLE for {$2800.00}. Upon receipt, the bed frame was delivered to an incorrect address and was left at the street. I had to transport it to my apartment myself. Additionally, the bed frame arrived with several mechanical damages that rendered it unusable, as well as significant cosmetic damage, which is unacceptable for a new product.

3. Merchant 's Response : Despite the damage and improper delivery, the merchant refused to accept a return of the product or provide replacement parts to remedy the situation. The merchant 's refusal is contrary to their stated return policies.

4. Dispute with Discover : I attempted to resolve this issue through disputes with Discover on two occasions. Both times, Discover refused to take action on the dispute, leaving me without resolution.

5. Requested Resolution : I am requesting that Discover credit my account {$2800.00} for the charge related to the damaged and improperly delivered bed frame. 

I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
iI would like all inquries removed on my credit report that are not associated with open act. 
do to fraud reasons. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: FL

Complaint narrative:
sudden increase in escrow DOUBLED mortgage is only home not land home. Escrow was 2 % suddenly charged nearly 5 %. Loan doesn't pay property taxes.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Following NAMES & EMPLOYERS are being reporting by Experian on my consumer report and are inaccurate.15 USC 1681EB, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act. 

INCORRECT Names : XXXX, XXXX INCORRECT Addresses : XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX EMPLOYER : 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: NY

Complaint narrative:
Information reported on credit report differ across credit reporting agencies. This does not reflect accurate information. According to FCRA 15 USC 1681, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2024-09-16 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: OH

Complaint narrative:
While reviewing my recent credit file, I discovered an incorrect collection account and an unauthorized inquiry. I do not recognize the collection account and did not authorize the inquiry. Please investigate and correct these errors.

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 2024-09-16 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: PA

Complaint narrative:
My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on and Im still seeing unauthorized inquiries on my report. Its unfortunate that my identity has been leaked because I do own some of these accounts, but Im not the one authorizing use if my credit so its been difficult to keep up with the fraudulent activity these days I recently unfroze my credit for a new cell phone line and Im thinking thats the reason.. hoping for you to please help investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions 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

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 2024-09-16 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: GA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately since THERE WAS NO ORIGINAL DOCUMENTATION PROVIDED TO VERIFY THE ACCOUNT. THE ACCOUNTS ARE INACCURATE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: CA

Complaint narrative:
In XXXX XXXX Sent a letter requesting each major credit bureau to delete any delinquency that occurred from XX/XX/year> to XX/XX/year>. Not only has this letter been sent/notified to each credit bureau XXXX XX/XX/year>, I have also disputed with each credit bureau. Each credit bureau has failed to adhere to this very clear and specific request to remove such deliquencies

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 2024-09-16 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: CA

Complaint narrative:
In XXXX XXXX Sent a letter requesting each major credit bureau to delete any delinquency that occurred from XX/XX/2024 to XX/XX/2024. Not only has this letter been sent/notified to each credit bureau XXXX XX/XX/2024, I have also disputed with each credit bureau. Each credit bureau has failed to adhere to this very clear and specific request to remove such deliquencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.5, XXXX : XXXX, XXXX XXXX, I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
I am challenging the accuracy of certain information reported on my credit file as it does not accurately reflect my financial transactions or history. This situation breaches the Fair Credit Reporting Act, under the provisions of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain reasonable accuracy in the information they report about consumers. Enclosed are the necessary documents demonstrating these inaccuracies. I urge a swift investigation and the rectification of this information to correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
I recently disputed this account in XXXX of XXXX  and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

XXXX XXXX  with account # XXXX Delete this erroneous account IMMEDIATELY! 
Collection account from XXXX with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX Auto Loan with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX XXXX Credit Card with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX  Installment account with account # XXXX - I have never been late or missed payments on this account! Provide me provide me with records of all payments made or missed on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
First of all, I have a credit rating of XXXX ( which means I always pay on time and responsibly ). 

In XX/XX/XXXXXXXX XXXX  I took a loan of {$35000.00} to be payable in seven years from Banco Popular de Puerto Rico ( # XXXX ) to be debited automatically from my account. 
They started doing so, and when Hurricaine Maria hit the island, the bank, without asking me stopped debiting my account in a moratorium of three months. At the moment, I could have been able to continue to pay the loan. 

.They NEVER informed ME directly by any means whatsoever, that they would charge interest during the moratorium and they NEVER issued me a loan account statement in which the payments and interests were reflected. Otherwise, I would have paid immediately avoiding the interests which continue to accrue. 

The last payment from this loan was to be in XX/XX/XXXXXXXX XXXX It is at this moment that the bank notifies me that I have accumulated {$1900.00} in interest from the moratorium which I still have to pay. I submitted Claim # XXXX stating that I had never received any direct notification of their intent to charge interest for the moratorium, and that I considered my loan repaid in full. In additon, I formally requested they stop the automatic direct debit. 
They responded that they informed the clients through the media, letters, social media, branches etc but they have not produced any such direct notification to ME Banco Popular de Puerto Rico FAILED to adequately informed me about their intent to charge interest during their moratorium. I fulfilled the payment of my loan in XX/XX/XXXX. 

However, the bank is charging me interest for the amount they claim is unpaid, are threatening me with affecting my credit score, and in spite of my expressed directive to NOT withdraw direct payment from my account, they have started to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I have purchased 2x XXXX giftcards on XX/XX/year> with the amount of {$500.00} on each. I tried to use it at a store ( XX/XX/year> ) but it was declined and I reached out to Incomm. The CSR said a replacement is needed ( XX/XX/year> ). I provided my address and CSR confirmed it. 

I was given a timeline of when the replacement card should expect to arrive. I never received the card and reached out again. Another replacement was issued for both of these cards. After nearly a month of waiting for replacements, the cards arrived ( XX/XX/year> ) only to have nearly no balance left on them. The cards were used without my permission ( likely from the 1st replacement cards ). I filed a dispute with Incomm and they did not approve of my case.

Of the two {$500.00} cards, only {$31.00} and {$18.00} are left on the cards.The cards were used very suspiciously as the transactions occurred at XXXX during outside of business hours ( XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Michigan Mutual, Inc.
State: NC

Complaint narrative:
VA mortgage was not closed from XXXX account in an timely manner.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
According to the FCRA, if an original creditor charges off or sells an account, a balance should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: NJ

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate 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 explanation
Consumer complaint received 2024-09-16 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation