vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
My name XXXX XXXX XXXX on or about XX/XX/2024 XXXX, PORTFOLIO RECOVERY ASSOCIATES sent the validation of debt notice to a undeliverable address I never received one and my rights on how to dispute ... violation of the FDCPA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
About XXXX  months ago I had a fraudulent transaction occur on my debit card where an ATM charged me, but failed to provide me cash out of the ATM. SoFi managed to provide me provisional credit and provide a security review on the case without locking my account. Once reviewed they turned my provisional credit permanent. They also replaced my debit card as expected. 


On XX/XX/2024 I had another fraudulent transaction occur with the following amounts being taken from my bank account. It seems someone in California got my debit card and XXXX XXXX XXXX themselves a lot of money : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX : - {$200.00} They actually started doing this on XX/XX/XXXX, but it was only for {$25.00} so I didn't notice it. 

XX/XX/XXXX : XXXX XXXX XXXX : - {$25.00} Since then they provided me provisional credit, but froze my account completely, the provisional credit is useless. I also don't have other forms of money I can use so I have had to loan money from my friends. All of my bills are starting to get late charges and I want these reimbursed as well. They fail to provide me updates on this review which leaves me in the dark and having no estimated time frame of when my bank account will be unfrozen. I have spoken to the security/fraud department which only has one level of support, and the customer experience team through both tiers of support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These accounts have violated my rights ; Validate Account XXXX XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX XXXX 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.

16815-2 ( 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 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 2024-04-22 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: 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 2024-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Had filed complaint XXXX to no avail with settlement offer from WFDS . Their response was that I said I had paperwork which had been destroyed in flood. However I had told them paper was from Ohio DMV and had clearly stated that they ignored a response to investigation of vehicle disposition. Now I am requesting a certified copy of their letter to repossess ( never received ). A copy of vehicle deficiency to cure loan amount. I had requested from them amount of payments made while they abandoned vehicle at impound after said they were picking up. That plus insurance and GAP reimbursement. My re search shows car ended up in Florida. So the salvage company should have paper trail between WFDS which was never shared with me or as is the case they dont have and violated my consumer rights in State of Ohio . Attorney General has told me a value of settlement I should get. Need these documents from WFDS ASAP in order to proceed in courts to correct this pattern which Government has found them to be deficient in their claimed repossession of close to XXXX cars. Clearly they have disregarded UCC and ORC for business transaction protocols. Their response was totally inadequate viewing the FTC has ruled to make things right with harmed consumers that they have harmed. Attorney asked about outcome and is in process of filing with Ohio AG

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 2024-04-22 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: NY

Complaint narrative:
I was reviewing experian my credit report and saw fraudulent unauthorized inquires listed. XXXX XXXX XX/XX/2024, XXXX XX/XX/2024, XXXX XXXX XX/XX/2024. An agent informed me to submit a report. Please remove these inquiries immediately. Thank you,

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 2024-04-22 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: LA

Complaint narrative:
Upon reviewing my TransUnion and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
My wife and I purchased a property back in XX/XX/XXXX. Between XXXX and XXXX my bank, XXXX, sold my mortgage to another bank, PennyMac. In XX/XX/XXXX my insurance company, XXXX, was reaching out to the bank for policy payment, around {$1600.00}, but they were reaching out to XXXX. I received a letter in XXXX XX/XX/XXXX from XXXX XXXX that I need to make a payment or my policy would be canceled. I called PennyMac and relayed this information. 

In XX/XX/XXXX PennyMac notified me my property had no insurance coverage. I was able to get new insurance through a different company, XXXX XXXX. 

In XX/XX/XXXX I received a PennyMac statement that said I owed {$2800.00} instead of the usual {$2200.00}. When I asked PennyMac bout this I was told the increase in mortgage was due to a shortage in my escrow account from a lender based insurance policy that was placed on my account for the year XXXX. XXXX stated that their notes show that when I gave them notification to pay XXXX in XXXX XX/XX/XXXX, they reached out to XXXX XXXX process a payment. During the coordination between PennyMac and XXXX, PennyMacs notes show that they were trying to send a payment by overnight check, however, XXXX could not verify the address so it was conveyed that PennyMac would send the payment by mail. 

When I spoke with a XXXX representative, I was told the police was canceled on XX/XX/XXXX, the day before PennyMacs payment arrived. I was also told XXXX does not have any notes that PennyMac conveyed to them payment was going to be sent by mail or XXXX would have placed a payment hold on my account. 

PennyMac thinks I am liable for not having insurance and I think PennyMac is liable for letting my insurance policy laps in XXXX. It is the responsibility of PennyMac to make my insurance and property tax payments on time. Although I gave them late notice in XXXX, The failure occurred during the conversation PennyMac had with XXXX to send the payment needed. For this reason I would like {$3500.00} lender based insurance policy payment put back into my escrow account. They are refusing to do so. 

PennyMac representative stated they do not have the option to send me evidence that they coordinated with my insurance company in XX/XX/XXXX. PennyMac representative also stated that notes show PennyMac tried to reach out to XXXX multiple times during the year in XXXX and received no response. I was not aware of any problem until I was notified I did not have insurance by PennyMac in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: MD

Complaint narrative:
Credit Inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-22 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: MD

Complaint narrative:
Credit Inquiries I don't recognize 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 2024-04-22 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: MD

Complaint narrative:
Credit Inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-22 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: SC

Complaint narrative:
I have identified accounts on my credit that are results of identity theft. These items are not related to any transactions caused by me. I have read that I have rights to have my information blocked and removed pursuant to 15 USC 1681c2. Pleas honor my request and remove these accounts immediately. I am a living person do not close this investigation until full proof is sent items are removed..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
On my XXXX XXXX account number XXXX, I have maintained a flawless payment record, ensuring that I never missed a payment deadline on both XX/XX/XXXX and XX/XX/XXXX. To my astonishment, upon scrutinizing my XXXX credit report, I was taken aback to discover a glaring discrepancy indicating that I made a timely payment on XX/XX/XXXX but was late on XX/XX/XXXX. This misinformation was deeply concerning, as it directly conflicted with my meticulously kept payment history. Strangely enough, when cross-referencing the information with Equifax and XXXX, these credit bureaus reported that I was late on XX/XX/XXXX but punctual with my payment on XX/XX/XXXX, aligning accurately with my factual payment records. The inconsistency among the credit reporting agencies has sparked significant unease and apprehension regarding the accuracy and reliability of my credit report, potentially impacting my credit score and financial standing unjustly. In light of recent developments for credit consumers, a groundbreaking legislation has been passed that aims to revolutionize credit reporting standards, emphasizing greater precision, fairness, and transparency in the system. These new regulations herald an era of enhanced consumer protection, empowering individuals with stronger rights to dispute inaccuracies, demand corrections, and ensure the integrity of their credit information. In light of these changes, I unequivocally demand the immediate removal of the erroneous late payments from my credit report, as they are unequivocally false and unjustly tarnishing my credit history. It is imperative that the credit reporting agencies rectify this error promptly to uphold the integrity of the credit reporting system and safeguard my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-04-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And 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. These 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. On XX/XX/XXXX I was sent a letter stating that I was working with a third party company and they wasn't going to investigate my dispute. There is no proof that I'm working with a third party, and if I was, there is no law that states that I can not hire professional help to assist with errors that on my credit file. 

And according XXXXo15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-04-22 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:
DESPITE MY CONTINUOUS ATTEMPTS TO CHALLENGE THE INACCURATE INFORMATION SUPPLIED TO EQUIFAX. REGRETTABLY, THE MATTER PERSISTS UNADDRESSED AT THIS JUNCTURE. 

Details of the hard inquiry : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation