vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-10 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
I have been a victim of identity theft and someone has gotten a hold of my personal information. they tried to get goods or services and were unsuccessful but I have unauthorized inquiries listed on my credit reports that were done without my consent! I need these removed immediately because this is ruining my reputation.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint due to ongoing errors and violations in the reporting of my Portfolio Recovery ( Portfolio RC ) account ending in XXXX. Despite disputing these inaccuracies for over five months with Portfolio Recovery and the credit reporting agencies, no corrective action has been taken. Additionally, I have no recollection of ever doing business with this company or owing this debt. These errors are damaging my credit profile and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Unverified Debt : I do not recognize this debt, and Portfolio Recovery has failed to provide any verifiable proof that this debt is valid or belongs to me. This violates the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( 15 U.S.C. 1692g ), which requires debt collectors to verify a debt upon request.

Inconsistent and Inaccurate Reporting : XXXX and XXXX report this account as a Collection/Chargeoff with a balance of {$750.00}. However, XXXX has no information on this account. This inconsistency violates the requirement for accurate and consistent reporting under the Fair Credit Reporting Act ( FCRA ) Section XXXX23 ( 15 U.S.C. 1681s-2 ).

Failure to Correct Disputed Information : Despite multiple disputes, Portfolio Recovery has not verified or corrected the inaccurate information within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This failure constitutes a violation of my right to fair and accurate credit reporting.

Violation of Accuracy Requirements : Reporting unverified and inconsistent information violates the FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates credit reporting agencies to ensure maximum possible accuracy of the information reported.

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to : Have only accurate and verifiable information reported on my credit file. 
Have disputed information investigated and corrected within 30 days. 
Request verification of any debt being reported by a collection agency. 
Hold furnishers and debt collectors accountable for reporting inaccurate information ( Section 623 of the FCRA and Section 809 of the FDCPA ).

Portfolio Recoverys failure to correct these errors and verify this debt is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals, such as purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NVR INC.
State: IL

Complaint narrative:
I have been working with NVR Mortgage ( XXXX XXXX ) since XX/XX/year>. I was working with finance and was told every 2 weeks that certain documents from me were the last thing needed in order to finalize my mortgage loan. 3 closing dates were even scheduled but fell through 24 hours or less before closing due to poor communication. My husband and I even did the final walk through of the home with XXXX of their professionals. We have had our hopes up since XX/XX/year> but were told on XX/XX/year> that they could not accept my VA loan. XXXX XXXX knew from the very beginning that I was using my VA ; but, here we are 9+ months later and they are now suggestions a FHA loan. I was told since XXXX that I would even be getting money back at closing because we paid {$20000.00} to the builder and with a VA loan I did not need a down payment. Now, they are asking even more money from us at closing if we choose the FHA loan. They have denied my VA loan. I am a XXXX XXXX XXXX XXXX due to XXXX  health and they knew this. I have even told them that the things they ask of me every 2 weeks is aggravating my XXXX  health and the fact that I had 3 closing dates cancelled 24 hours prior has also aggravated my XXXX  health. Please, let me know if you need anymore information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
For the months of XXXX and XXXX I have contacted Citi Bank about my Home Depot credit card and the remaining promotional balance of my account. I requested multiple times the amount paid go towards the promotional balance of my account. The request was taken and applied to my knowledge. As to verify and confirm, at the beginning of XXXX, I called Citi Bank to verify the total amount that would need to be paid to complete the promotional balance on my account. The representative gave me the amount of {$2300.00}, which I paid. Now in XXXX I see I was charged for the interest on the promotion. I called Citi Bank and they told me that the representative in XXXX must have misspoke because I still have an amount on my promotional balance of {$310.00}. I informed them that I have been very attentive on this and why I called in to verify my payment and that the promotional balance would be paid in full after my payment of {$2300.00}. Citi Bank refused to make any changes to my account to correct the problem and even went as far as saying I would not be speaking with anyone else on the matter and I would have to fax or mail a letter. I find this whole situation very frustrating and disturbing. The fact I hold up my end of the bargain and pay exactly what I was informed to pay and still be charged for interest that is 100 % avoidable is egregious. It feels very illegal and should be investigated.

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 2024-12-10 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: MI

Complaint narrative:
Fraudulent inquiries on my credit reports violations of my rights.

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 2024-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-10 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: TN

Complaint narrative:
XXXX XXXX, ( XXXX ), XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and falseinformation consists of credit card account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized- Please delete immediately. 

XXXX XXXX XXXX  - This inquiry was not authorized- Please delete immediately. 

XXXX - This inquiry was not authorized - Please delete immediately. 

XXXX XXXX XXXX  This inquiry was not authorized- Please delete immediately. 

XXXX XXXX - This inquiry was not authorized - Please delete immediately. 

XXXX XXXX -This inquiry was not authorized - Please delete immediately. 

Synchrony bank -This inquiry was not authorized - Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX, TN XXXX This is an incorrect address - please delete immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

XXXX XXXXThis is incorrect- Please Delete immediately. 

XXXX XXXX  -This is incorrect- Please Delete immediately.

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 2024-12-10 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: MD

Complaint narrative:
I am writing to request that the following accounts and inquiries, which were opened as a result of a data breach, be blocked and deleted from my credit file in accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). As a victim of identity theft, these accounts were opened without my knowledge or authorization. 
Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4600.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : 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 non-monetary relief
Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being opened or made in my name. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately. 
Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXXXXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$3800.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$920.00} Fraudulent XXXX : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being opened or made in my name. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately. 
Fraudulent Accounts : XXXX. XXXX XXXX  XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$3800.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$920.00} Fraudulent XXXX : XXXX. XXXX XXXX XXXX XXXX - XX/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 2024-12-10 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: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/year> my account balance with Comenity Bank XXXX Express retail card ) showed online as {$97.00} of which I paid the full amount. I later received a {$2.00} charge from Comenity which I refuse to pay as the account balance had been paid in full. On XX/XX/XXXX I made a {$53.00} purchase which, in fairness, I forgot about. Comenity the charged me a {$2.00} late fee on the {$2.00} charge the added to my account after it was paid in full. Then when I forgot to pay the {$53.00}, Comenity charged a {$37.00} late fee. I have since paid the {$53.00} and have asked Comenity waive the false and absorbent fees they added to my account. All in all I've been charged {$45.00} in fees for {$53.00} in charges that were late once. 

To show their predatory behavior even more so, when I contacted this company to resolve the issue the indicated that all levels of leadership only have {$15.00} limit to which they can resolve client issues. When I asked to speak with the employee 's direct supervisor or manager I was transferred to another frontline representative. This happened 4 times.

Banks charging " interest on a purchase '' when no purchase was made and the account balance paid to {$0.00} seems predatory. Banks charging late fees on fees they added to my account after the balance was paid to {$0.00} seems predatory. Banks limiting the employee 's ability to rectify issues causing customers to go to great lengths for resolution seems predatory. Banks refusing to allow consumers to speak with anyone other than a frontline customer service representative feels predatory.

I need help. As a ln individual consumer I am stuck in a place where I can either allow this company to defraud me to protect my credit or I can ask for help. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 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: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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