vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to report an incident of fraudulent activity perpetrated by XXXX, a telecommunications company. On XX/XX/2024 I discovered that a charge of {$440.00} had been placed on my credit file without my authorization. Upon investigation, it was revealed that XXXX was responsible for this unauthorized transaction. I called XXXX, and I was informed that they did not have any information on the file. I promptly contacted XXXX 's customer service to rectify the situation, but I encountered significant obstacles in resolving the issue. Despite providing evidence of the fraudulent charge and requesting its removal from my credit file, XXXX failed to take appropriate action. As a consumer, I am deeply concerned about the security of my personal information and the integrity of financial transactions. This incident has not only caused financial XXXX but also eroded my trust in XXXX as a service provider. I urge the Federal Trade Commission to investigate this matter thoroughly and take necessary actions to hold XXXX accountable for its negligence and fraudulent practices. Additionally, I request assistance in expediting the removal of the unauthorized charge from my credit file and restoring my financial security. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a new contruction home on XX/XX/22. The construction was completed a week prior. I asked my loan servicing company 5/3 Bank to provide me a Broker Price opinion for the purpose of removing my PMI as I believe the current market value gives me a greater than 20 % equity position on the loan. 

They made me fill out a from indicating the improvements made to the home as part of the application process fro my BPO request. They subsequently denied my request for the BPO citing that the improvements made do not qualify as substantial. 

I believe they are abusing the requirement for substantial improvements given that the home was newly constructed at the time of purchase. I have added permanent fencing to a large portion of the property and I have landscaped the rear of the property which was not included with the purchase of the home. I have also added permanent window treatments throughout as the home did not come with any at the time of purchase.

Please see my application form to 5/3 Bank attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XXXX XXXX A credit card account with XXXX XXXX XXXX in the Amount of {$500.00} Acct # XXXX was opened in my name with out my knowledge or consent. mailed and billed to the Address of XXXX XXXX XXXX, XXXX mi XXXX a home in which i have never stayed but was being used to create a false identity using my personal information and have goods mailed in my name. I have tried to reach out to this company about this matter concerning this fraudulent account several times. I was hung up on or Ignored all together when talking to customer service representatives for this company. This company has received a copy of the police report filed by me at my local police station and FTC Report from the Federal Trade Commission naming this account as fraudulent but still is trying to collect this debt and is still reporting this debt to the XXXX major credit bureaus making me ineligible to obtain housing or reliable transportation due to this companies negative reporting of this fraudulent account. This company has Ignored all Requirements of its obligation of furnishers under the Fair Credit Reporting Act 15 U.S.C. 1681s-2 section 623 I have tried all that i can, but these companies do what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX at XXXXXXXX XXXX XXXX asking if I had applied for a car loan. I had not done so. XXXX suggested that I put a credit freeze on all three of the credit bureaus, which I did. I requested information from TransUnion on who had looked up my credit information and found the following attempted fraud on my account ; XXXX XXXX XXXXXXXX XXXX called me XXXX XXXXXXXX No answer, no mailbox XXXX XXXX XXXXXXXX My carrier, XXXX can not complete the call XXXX XXXX XXXXXXXX I dont have an account, so the auto attendant hung up on me XXXX XXXX  XXXX XXXX My carrier XXXX XXXX can not complete the call XXXX XXXX Worked with XXXX and XXXX XXXX deny the attempted fraud. 

XXXX XXXX Talked to XXXX about how the caller who claimed to be me had an apparent XXXX accent. 

It seems to me that this may be an attempt to wire down payment money to a dealer, ask for a refund, and then the dealer finds out later that the wire transfer was not properly funded.

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 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
To Whom It May Concern, I am a victim of identity theft. Please help me with the removal of the following fraudulent inquiries from my Equifax credit report : XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX I have already sent a request to Equifax asking to remove the inquiries. However, they declined my request. 

I have no connection to these companies and have never sought any form of credit or financial services from them. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate or fraudulent information on my credit report. 

I have submitted XXXX report. Please find it in the attachments, along with other documents. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
XXXX, XXXX, and Transunion are reporting inaccurate information on my credit report as a result of identity theft. XXXX  report 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 2024-06-20 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: NY

Complaint narrative:
XXXX, Equifax, and XXXX are reporting inaccurate information on my credit report as a result of identity theftXXXX XXXX  report attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: AZ

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT PURSUANT TO SECTION 605B. YOU MUST REMOVE THESE FRAUDULENT ACCOUNTS AND 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 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-06-20 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Initially reached out to the company to negotiate a settlement of a charged off account and requested that the company provide the initial date of delinquency. 
we concluded a settle met of approximately $ 3000.00.The company advised that they only had the date of charge off and that the Original date of delinquency would be mailed to me in XX/XX/XXXX. 
From my records, XX/XX/XXXX shows as the first date of delinquency, however, to date this has not been validate. Again I spoke to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX who refused to provide the first date of delinquency. 

On XX/XX/XXXX I paid the balance of the settlement. In accordance with the Fair Credit Reporting Act 1681s-2, this information should have been provided to me within 30 days. 
In light of this violation and settlement of this account. I am requesting that this account be removed from my credit report. If this is not updated within 30 days I will pursue legal methods to have this removed.

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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I tried to open a new bank and can't also my information was stolen I didn't bank wit XXXX someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on a account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-06-20 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-20 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: TX

Complaint narrative:
Equifax is reporting the account type as an auto loan, which is factually incorrect. The account you are reporting is identified as an " installment loan, '' which is also incorrect. The true account type for this account is a " Credit Sale Agreement. '' I have the right to an accurate credit file, and discrepancies like this are unacceptable. You need to remove this inaccurate information from my credit report immediately. 

In accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), these accounts are in violation for not being reported accurately. I am attaching copies of all related correspondence for your review. 

Please rectify this issue promptly to ensure compliance with federal law and to maintain the integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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