vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: IL

Complaint narrative:
I reviewed my credit report yesterday and noted accounts on there that I do not recognize. These are accounts I did not open, and accounts I have never used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
incorrect personal information on my consumer 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 non-monetary relief
Consumer complaint received 2023-12-12 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: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries XXXX not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Birthdate XXXX XXXX FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that NEW AMERICAN FUNDING conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that NEW AMERICAN FUNDING will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
XX/XX/2023 - I submitted SCRA benefits package for SCRA benefits to be applied to a recent home loan. 

XX/XX/2023 - Received a letter from PennyMac stating I was not eligible for SCRA benefits as the loan originated after my initial entry into the military. I responded to the message stating Louisiana had laws in place that covered servicemembers regardless of entry date in relation to loan obligation. I am living and working in Louisiana due to military obligation ( PCS orders ). 

XX/XX/2023 - Received message from PennyMac re-iterating I do not qualify for SCRA benefits in this case. 

I have received SCRA benefits for my car loan ( XXXX ) as well as three credit cards and also know of another member that has received benefits for her mortgage with XXXX XXXX. 

I am hoping to get some clarity/resolution on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VW Credit
State: PA

Complaint narrative:
On XXXX the XXXX, XX/XX/XXXX and XX/XX/XXXX a negotiable instrument with a remittance coupon was sent in with a letter of instruction to the company by me, the company ignored and dishonored.Which violated UCC 3-603 TENDER OF PAYMENT ( a ) ( b ) which states if tender of payment of obligation to pay an instrument is made to a person entitled to enforce the instrument the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) as stated if tender of payment of an obligation to pay, an instrument is made to a person, entitled to enforce the instrument, and the tender is refused. There is discharge to the extent of the amount of the tender of the obligation of an indorse or accommodation party having a right of recourse with respect to the obligation, to which the tender relates. 
The company also violated UCC 3-604 DISCHARGE BY CANCELLATION OR RENUNCIATION. UCC 3-149 ,3-104, 3-306 USC 1786 ( m ) ( 10 ) ( A ) and 3-301. Has all been violated.on XX/XX/2023 a validation of debt letter was sent out to the company, the company responded with a letter stating my account will remain the same and the debt was never XXXX XX/XX/XXXX I received a letter from the company threatening to repossess my vehicle. If payment wasnt made.on XX/XX/XXXX my vehicle was illegally repossessed. There wasnt any current UCC filings for a lien on my vehicle at the time of repossession. Given that the company has traded my securities Which is currently still being traded on the primary and secondary market with out my permission. according to 3-203 ( b ) it states that the company lost their legal right as a holder upon the transfer.The company also stated in my contract that they were not to share my personal and private information with any non-affiliates or third-parties however, my information was share with non-affiliates. The company is only giving me one option to resolve this matter and In the threatening letter to sell my vehicle on XX/XX/2023 if I didnt pay the full balance of {$57000.00} only given 15 days to do so. The companys Never gave me a valid reason as to why my payment wasnt accepted and they also violated XXXX XXXX title XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Service Company
State: MT

Complaint narrative:
I have never received a document or provided any information from this company that I did business, signed a contract, or a call or email or anything physical document in the mail.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-12 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: OH

Complaint narrative:
I reviewed my credit report on XX/XX/23 and I noticed multiple mistakes on my Equifax credit report. I wanted to make sure everything was up to date and accurate. I filed a dispute with Equifax on XX/XX/23 requesting that they reinvestigate these accounts and make sure that they were up to date, complete, and accurate, and if not to please update, modify, or delete these accounts. I placed the dispute on XX/XX/23 and it's been over 30 days. I'm not sure what Equifax is doing, but it has taken over 30 days for Equifax to respond to me and I know that according to law, they only have 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY CREDIT SYSTEMS INC
State: NJ

Complaint narrative:
In 2021 the debt collector, Security Credit Systems Inc., aggressively and relentlessly called my phone number. When I answered, a man who refused to give his name, was extremely threatening - yelling and not allowing me to speak. He said I owed money to XXXX XXXX XXXX  which I attended under federal government-issued student loans only. When I asked for proof of the debt, which he alleged was over {$15000.00} at the time, he hung up on me. Two years later, with absolutely no contact from him, and with the college itself refusing to provide validation of the debt to me upon request, I noticed a collections account in excess of {$20000.00} on my credit reports- put there by Security Credit Systems Inc. Not only has the debt inexplicably increased by over {$5000.00}, the debt collector and original creditor will not provide validation of the debt, and yet manage to stain my credit report every year with no consequence. 

Similarly, when I contact the accounts department at XXXX XXXX, both a male and female staffer are extremely belittling, insulting and unhelpful simply stating that I owe the debt and not explaining, despite my federal student loans, why this debt is owed. They talked to me like I was stupid and were extremely insulting. Furthermore, the school asked me in writing to leave, for no reason, and yet are charging me for the entire semester. They were not interested in explaining the debt or reaching resolution, but instead exported the matter to an aggressive and threatening debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-12-12 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: GA

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX reports, this account was opened on XX/XX/2018. It shows " charge off '' in the status section. Any debt that has been charged off is now a certificate of indebtedness, which is considered income and should NOT be on my credit report. This is a violation of 15 U.S. Code 1681 ( b ), which is 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 explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX a letter was sent to : EASTERN ACCOUNT SYSTEM, XXXX. 
XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Regarding account number XXXX ( tracking number XXXX ). I spoke with a XXXX XXXX today XX/XX/23 who confirmed that the are also known as Eastern Account System of Connecticut Inc and they indeed received the letter but updated my status as a dispute. The company has failed to show proof that I've signed an original contract which constituted this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: GA

Complaint narrative:
subject : Demand for Immediate Removal of Charge Off and Violation of XXXX XXXX % XXXX % XXXX XXXX Sir/Madam, I am writing to inform you that the XXXX business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically XXXX XXXX. % XXXX % XXXX XXXX following information is not related to any transaction or activity performed by me : EXPERIANXXXX 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 According to federal law XXXX XXXX Code % XXXX % XXXX XXXX % XXXX % 80 % XXXX - Block of information resulting from identity theft : ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of % XXXX % 80 % XXXX I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier last month : XXXX - XXXX Number XXXX - Delivered XX/XX/XXXX, XXXX - Tracking Number XXXX - Delivered XX/XX/XXXX, XXXX pmTransunion - Tracking Number XXXX - Delivered XX/XX/XXXX XXXX pmAttached to these letters were copies of the following XXXX. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] XXXX. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) XXXX. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by 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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I entered into a debt management program with American Express on XX/XX/2023. The terms are XXXX payments of {$22.00} on the XXXX of each month. The debt management company paid the payments in a timely manner and I was still marked delinquent and American Express is refusing to correct the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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:
Credit inquiries I didnt authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2023-12-12 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: TX

Complaint narrative:
Credit inquiries I didnt authorize

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 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Has made repeated calls to personal cell phone at XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XXXX and XXXX. These are all calls from XXXX. They are also calling from XXXX and XXXX. The person they are attempting to contact is not myself. I have repeatedly asked them to remove my number from their contact list with them agreeing to do so and still receiving calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I was making payments on a Cancelled Credit Card in order to pay it off slowly by making small payments every month. The Bank raised the amount 2 or 3 times without my consent of knowledge. They also didn't pay others prepaid bills that were due so that they could collect more money toward this cancelled card, which made me extremely delinquent on several household bills. Some companies cancelled my accounts ( Insurance payments, phone payments, etc so they could apply more money to their Credit Card.

I admit to the Debt, but my intentions was NOT to apply All my money to the defaulted Loan. I believe I started out paying {$50.00} per month toward the Card in good faith to pay it off eventually. But the bank kept raising the amounts without my approval & without my knowledge. They are up to {$150.00} around the XXXX of every month. I tried to cancel or change the amounts but there was no option to do so. I Did ask to lower the payments & they said it wouldn't be enough. 

They told, me that someone had hacked my account & that they had to cancel my card. I was never informed as to who or what was done. But, during that time I couldn't use my Card to pay bills and I was never told what or who hacked it. Which meant I couldn't pay my bills without my card. They also said that I REQUESTED that my Card be cancelled. 

I am on Social Security & have XXXX XXXX. By taking so much money out of my account I can't pay my bills as needed. I don't know what I can do to Stop them from doing this... It started out as a gesture of Good Faith... and they used it to bring my Finances to an all time Low.

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 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
discover # XXXX and XXXX progress is violating my right by posting acct on my credit report i didnt get also they denied me in posted it on my credit report i ask for them to remove it and they posted another account on my XXXX acct as paid but never done business with them because the XXXX the acct under 15 US 1681 ( E ) ( B ) they have to have wriiten consent to post the acct i ask for them to deleted in its falsely post on my acct as paid but never did business with them. 15 US 1681 i section 6.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief