vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX was paid off in full XXXX XXXX. Company reporting incorrect information as a major violation of FTC Law and Federal Truth In Credit Report Act and Billing fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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:
15 USC 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It governs how consumer reporting agencies collect, use, and disseminate consumer credit information.

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 2024-04-17 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: NE

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
Convergent outsourcing bought the debt and started to negatively report to 3rd party agencies, ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E. allocation of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: VA

Complaint narrative:
The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on 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 2024-04-17 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: LA

Complaint narrative:
I looked at my report on XX/XX/2024 and noticed some things are incomplete and not inaccurate on my report. 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. I sent a letter asking them to reinvestigate these accounts listed below because These accounts are not reporting correctly, open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 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 I received the investigation back but noticed that nothing was modified or updated. So I requested a description of the re investigation and they did not provide it to me which is a violation of 15 USC 1681i7. According to this law 15 USC 1681i ( XXXX ) they are supposed to update or provide this information within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied for an apartment in XXXX, Tennessee on XX/XX/XXXX and they wrote me and told me that I was not approved because of a addiction, I informed him I have never been evicted or had a eviction on my credit they informed me that I needed to reach out to the courts. I reached out to the courts and they informed me its public information which I looked up and there was no eviction. There was a filing in XXXX and it still appears to be an open case, I asked Court can this still be an open case? They stated that I would have submit appeal which I have submitted an appeal also they there has not been any place that I would have to reach out to XXXX and For further clarification regarding the decision, you may contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have I have reached out to XXXX XXXX. I inquired about the eviction. They said theres nothing that they can see and theres a XXXX balance so I disputed it and submit it for a dispute. This has caused an effect on my personal life although Im homeowner, I would like to be able to rent without being affected because of inaccurate information attached I will show you the court documents where there has been a file but no eviction, because of this inaccurate information I would like this removed 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 2024-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Genesis Credit Management provided a electronic lease and statement on behalf of XXXX XXXX XXXX. I have never leased with this company nor have I signed a lease with this company. These documents provide an electronic signature with my name, however I have not signed any agreements with the company. The signature is not a valid form of proof. I have never physically or electronically signed an agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: FL

Complaint narrative:
On XX/XX/2024 I was alerted my credit scores has dropped due to a closed charged off account from XXXX XXXX that has been allowed to report on my credit again and now its reporting as open once again but its charged off.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I paid {$200000.00} on an original loan amount {$380000.00} loan. At the time of payment the loan was recast at {$170000.00}. In XXXX I was informed that my escrow account was not sufficient to pay taxes and insurance and after examination I discovered that PMI was being charged and called my provider and then filed a complaint with them online. The response was you did not ask for it to be removed and we do not base our PMI on loan to value we base it on the amount of the loan that is paid off by recasting the loan it is not paid off to XXXX percent. I submitted proof of the houses in the area that sold that my loan to value has been reduced and they remove the PMI now but refused to reimburse prior payments when it should have been removed already under Homeowners Protection Act of XXXX ( HPA or PMI Cancellation Act, or Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
My bank account got hacked along with my XXXX XXXX XXXX XXXX XXXX Navy Federal has closed down my account along with my funds. My phone got stolen and my wallet. They access my account along with someone elses account transferred funds from another members account took money from my account from another member also made numerous ways of transferring money to themselves and disputed charges getting money back on purchases that I have made navy federal has not been any assistant to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: FL

Complaint narrative:
On XX/XX/2024 I was alerted my credit scores has dropped due to a closed charged off account from ally financial that has been allowed to report on my credit again and now its reporting as open once again but its charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2024 I was alerted my credit scores has dropped due to a closed charged off account from ally financial that has been allowed to report on my credit again and now its reporting as open once again but its charged off.

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 2024-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
Williams and Fudge has repeated called me and my husband ( when our debt is not joint. ) Used hostile and threatening language with both of us when we could not pay the amount they set but could only offer a lower amount. When asked if we could settle the debt all out for a slightly lower amount then the full debt they lied and said that I would never receive my diploma from the school, my official transcripts, and it would be as if i never went there. ( I already had by diploma and transcripts at this point ) They stated that the school would never send me these things even if I later wanted to pay the rest of the debt and my only option was to pay the debt in full, pay the huge monthly payments or lose my bachelors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NM

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-17 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: AR

Complaint narrative:
Under 15 USC 1681 b clearly any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instruction of the consumer.

Without a written consent from the consumer. Experian is using Aggravated Identity Theft 18 USC 1028A because they have possession of my information, and they are using it without my written consent.

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 2024-04-17 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: WA

Complaint narrative:
Capital one has XXXX hard inquiries on my credit report that they wont remove. Ive also reached out to the XXXX credit reporting agencies XXXX, XXXX and Transunion telling them to stop reporting. They did not abide

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 2024-04-17 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: WA

Complaint narrative:
XXXX XXXX has XXXX hard inquiries on my credit report that they wont remove. Ive also reached out to the XXXX credit reporting agencies XXXX, Equifax and XXXX telling them to stop reporting. They did not abide

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a checking account with Citi Bank around XX/XX/2024 and followed the steps of depositing XXXX XXXX transfers of {$1500.00} or more in order to receive the sign-on bonus of {$300.00}. I called multiple times to check that I had satisfied the requirements and they told me I had and that I needed to wait. I waited and called again. They told me that they are opening an investigation on their end. 

I found out about the promotion on XXXX : ( this video contains screenshots of the page I visited since I do not have any screenshots myself ) https : 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 monetary relief
Consumer complaint received 2024-04-17 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: VA

Complaint narrative:
The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: VA

Complaint narrative:
The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on 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 2024-04-17 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: OH

Complaint narrative:
I have written several letter and dispute items to be removed off my credit report and nothing has happen. i have ask XXXXXXXX XXXX  and exquifax to remove items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} to be moved. given letter and file reports and the items are still on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: OH

Complaint narrative:
I have written several letter and dispute items to be removed off my credit report and nothing has happen. i have ask XXXX, experian and XXXX  to remove items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be moved. given letter and file reports and the items are still on my report

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 2024-04-17 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: NV

Complaint narrative:
As I was reviewing my credit profile I had seen quite a few inquiries that did not belong 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 explanation
Consumer complaint received 2024-04-17 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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