vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: MA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX for their mishandling of my student loan deferment request, which has resulted in significant and unwarranted damage to my credit score. 

On XX/XX/year>, I submitted a request to defer my student loans due to my enrollment in school, along with all required documentation. XXXX initially rejected my request, incorrectly stating that the official 's signature was missing, a mistake they later acknowledged because the officials signature indeed was there. XXXX, a loan specialist at XXXX, assured me that the forms would be reprocessed. 

As of XX/XX/year>, my deferment request has still not been processed, and I have experienced a drastic drop in my credit score of 60-80 points. My credit report shows remarks such as " Loans deferred '' and " All payments made on time, '' yet despite these positive indicators, my score has significantly decreased. Additionally, my XXXX account continues to show that I owe loan payments, which I believe is due to their failure to process my deferment. 

Further, I have noticed that XXXX has made 18 changes to my credit report during this period. This is an excessive and unnecessary amount of changes for a simple deferment request, and it has directly contributed to the substantial and unjustified drop in my credit score. 

This situation is causing me undue financial stress and impacting my creditworthiness through no fault of my own. I am requesting the CFPB 's assistance in ensuring that XXXX corrects the errors on my credit report, properly processes my deferment request, and rectifies any inaccuracies in their records that are currently harming my credit score. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' 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.

AS Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX XXXX of initially reporting AND of re-reporting this account to the XXXX XXXX, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section XXXX ( XXXX ) to inform the consumer reporting agency of the dispute. You also violated the FCRA XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ XXXX U.S.C. XXXX ] " ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' 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 XXXX & XXXX ) if you fail to comply with XXXX XXXX. 

XXXX XXXX by law Disputed Items below should be Deleted in my credit report 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 2024-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/year> I attempted numerous times to login to my account on Equifax. I constantly received the message : " We are temporarily unable to complete this request. 
Please try again later. '' I then attempted to contact help support. After XXXX minutes I was connected with a person I had difficulty understanding. I explained my issue and was told I should try to reset my password. I was emailed a reset password link that was good for XXXX hours. 
I then tried no less than XXXX times over the next XXXX hours to use that link to 'reset ' my password. Every time I would get to point where I would receive a familiar message : " We are temporarily unable to complete this request. 
Please try again later. '' Finally my XXXX hour period elapsed and the reset link would no longer work. 
I have since tried numerous times to login to my account, but continue to receive the " temporarily unable to complete request '' message. I have searched this issue on the internet and have discovered it has been going on intermittently for years and over many users.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I saw a property inspection fee of {$30.00} imposed to me on or before XX/XX/year>. After several attempts to resolve this matter or receive the pertinent info of who entered my property, Penny Mac failed miserably at disclosing the info.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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 non-monetary relief
Consumer complaint received 2024-08-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : [ Report Number ] ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$590.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX  XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} o Status : Derogatory ( Charge-off ) Fraudulent Inquiries : XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX XXXX XXXX Credit Cards - XX/XX/XXXX XXXX. XXXX Personal Loan Companies - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other bureaus. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I did a credit report for a place for rent on a fradulent website I need a new ssn number I am putting a credit freeze through all the unions

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 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX ) Lender conditionally approved our loan XXXX ARM for 6.0 % and their agent promised us and our buyer 's agent timed closing. She actually guaranteed it. 
XXXX ) they couldn't close in time because apparently, they needed my husband 's paycheck that says North Carolina remote on it and they told us that's the only pending item left. Their lender promised yet again that's the only item left and nothing else is needed. I asked her to verify, and our buyer 's agent also called her to verify, and she told the same thing. Last item and only item left. we will provide it and loan will be approved the same day and we are good to go. 
XXXX ) Few days before they came up with more items pending and we somehow provided them. She apologized for that. She guaranteed us we will be approved after provided paycheck details and she wrong again XXXX ) Lender gave us in writing that they don't need lease on our current home because they are not considering that income. Wrong again, she came back and asked for lease. We provided lease and then she came back asking for deposit check for the lease. nowhere she mentioned she needed that, XXXX ) Very close to new closing date again, and still not approved and they keep asking for new document, every step of the way. 

We are losing time, if we don't close this time, we might lose all our deposit and earnest money. and seller can ask us for compensation. 
My kids can't attend school anywhere because we have rented our current home in our current state, and we might not close on the new home. 
Our stuff is sitting with moving company with nowhere to go. We are planning to love in XXXX XXXX XXXX  with XXXX little kids. 

She dodge our calls. 
I think lender promised a low rate that they are having hard time providing us and they are stalling, so we simply go to someone else. Rather than accepting the rate that has been offered they can't give it to us.

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 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This evening, I found unauthorized inquiries on my credit report, and I'm completely baffled as to why. I routinely check my credit report, but this time, there were discrepancies that came out of nowhere. I tried refreshing the page, thinking it might be a technical error, but the unauthorized inquiries stayed. Due to this issue, I'm asking for a thorough review of the documents I've provided so I can finally have peace of mind.

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 2024-08-16 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: MS

Complaint narrative:
My accounts 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 to be removed/updated.

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.

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!

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 2024-08-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a listed accounts here : 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 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 XXXXXXXX said one name so remove XXXX out of XXXX which is above.

Company response to consumer: Closed with non-monetary relief