vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: Union Home Mortgage Corp
State: KY

Complaint narrative:
I would like to talk about the difference between a hard pull inquiry and a soft check on your credit. So, imagine this youre looking into getting a mortgage and you just want a quick estimate of what your rates might look like. You specifically ask for a soft pull on your credit, which shouldnt affect your score. 

But then, the mortgage representative goes ahead and does a hard pull without your consent. This not only affects your credit score but also shows up as an inquiry on your report. Its frustrating and can be damaging to your overall credit health. 

It's Important to know your rights and make sure youre clear with any financial institution or representative about what type of check you want. A soft check is just a surface-level look at your credit, while a hard pull goes deeper and can impact your score. 

In my opinion, trust is key when it comes to dealing with financial matters. If someone doesnt respect your wishes for a simple estimate and goes ahead with a hard pull, its definitely a red flag. So, always be vigilant and make sure youre in control of your own financial information. 

When I confronted XXXX he continues to tell me that's just what he needs to do to protect himself and it only took my score down a couple points. If he was unable to give me a rough estimate without putting a hard inquiry on my report, he should have given that information upfront and I wouldn't have declined. 

The representative name was a senior loan originator with union home mortgage named 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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I filed a dispute with Ally Bank regarding transactions on my account which I did not authorize. The transactions were debited by XXXX companies, XXXX and XXXX and totaled {$41000.00}. I filed a police report with the XXXX XXXX XXXX XXXX Department and an Identity Theft Affidavit. I submitted both documents to Ally Bank. The dispute was denied and I contacted the bank regarding the denial. I asked why my the transactions were continuously allowed and I was told that XXXX text was sent to my cellular device regarding a transaction. The representative stated that this is why the charges were allowed. I informed the bank that I never responded to a text regarding these transactions. I also filed an appeal and it was suggested that I submit a Letter of Intent, which I did and there was no response. I have not received a written response from the bank, only a notice in my account denying the initial dispute. My account is now closed and the notice is no longer there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
I would like to follow up despite numerous attempts I have made to correct an error on my credit report related to a late open account. Despite multiple requests, the issue persists, causing undue stress and negatively impacting my financial standing. Here is a summary of my attempts to address this matter : The continued presence of the late open account on my credit report is not only inaccurate but also unjustly affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring my commitment to resolving this matter promptly. I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open accounts entry on my credit report. Provide written confirmation once the correction has been successfully made. I understand the significance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. I am asking for your help to correct these late open accounts in my credit file : XX/XX/XXXXXXXX Balance : {$5800.00} ; XX/XX/XXXXXXXX XXXX Balance : {$410.00} ; XX/XX/XXXXXXXX XXXX Balance XXXX {$25.00}.

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 2024-07-30 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except 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 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. This Account is in violation of 15 U.S. code 1681A ( XXXX ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX Case Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 16921 XX/XX/XXXXXXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XX/XX/XXXXAccount Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it 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 2024-07-30 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
The collection agency has engaged in false and misleading practices, violating FDCPA 807 and providing misleading forms, violating FDCPA 812.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to follow up in regrads of the multiple attempts I have made to remove fraudulent items from my credit file through Credit Bureaus. Despite multiple requests, the fraudulent entries persist, causing significant distress and negatively impacting my financial standing. The continued presence of fraudulent items on my credit file is not only inaccurate but also poses a severe threat to my financial well-being. I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit file to identify and remove all fraudulent entries. Provide written confirmation once the fraudulent items have been successfully removed. Investigate the source of these fraudulent entries to prevent similar incidents in the future.Therefore, I expect a swift and diligent investigation into this matter. I am asking for your help to remove these fraudulent items in my credit file : XX/XX/XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXXXXXX Balance : {$0.00} ;XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ; XX/XX/XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to follow up in regrads of the multiple attempts I have made to remove fraudulent items from my credit file through Credit Bureaus. Despite multiple requests, the fraudulent entries persist, causing significant distress and negatively impacting my financial standing. The continued presence of fraudulent items on my credit file is not only inaccurate but also poses a severe threat to my financial well-being. I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit file to identify and remove all fraudulent entries. Provide written confirmation once the fraudulent items have been successfully removed. Investigate the source of these fraudulent entries to prevent similar incidents in the future.Therefore, I expect a swift and diligent investigation into this matter. I am asking for your help to remove these fraudulent items in my credit file :XX/XX/XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXXXX/XX/XXXX ;XX/XX/XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ; XX/XX/XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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 am a victim of identity theft. These accounts are a result of this crime. These fraudulent accounts, inquiries and addresses need to be blocked and removed. I have no knowledge of these accounts, inquires and addresses. XXXX XXXX XXXX Accounts : XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$31000.00} XXXXXX/XX/XXXXXXXX {$3600.00} XXXXXX/XX/XXXX XXXX {$1000.00} XX/XX/XXXXXXXX {$950.00} Inquiries : XX/XX/XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXXXX/XX/XXXXXXXX XX/XX/year> XXXX XXXX, XXXX XXXX XX/XX/year>

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 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The collection agency has engaged in false and misleading practices, violating FDCPA 807 and providing misleading forms, violating FDCPA 812.

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 2024-07-30 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: NJ

Complaint narrative:
The collection agency has engaged in false and misleading practices, violating FDCPA XXXX and providing misleading forms, violating FDCPA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: NJ

Complaint narrative:
The collection agency has engaged in false and misleading practices, violating FDCPA XXXX and providing misleading forms, violating FDCPA 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 2024-07-30 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: AZ

Complaint narrative:
To Whom It May Concern It has been brought to my attention that XXXX continues to ignore my requests for the removal of these items that have already been successfully removed from my TransUnion credit report. 
Therefore, I am requesting again that XXXX remove these items below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I demand the following accounts be verified or removed immediately. 
XXXX. XXXX5 U.S. CODE 1692G - VALIDATION XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XX/XX/XXXXAccount Number : XXXX Delete this account.

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 2024-07-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Statebridge Company
State: CA

Complaint narrative:
I want to start a new complaint against this company that had may or may not have a license to collect and is doing business fraudulent and is called XX/XX/XXXXXXXX, they claim they have the right to collect on a debt already paid through President Obama 's Making Home Affordable Program created in XXXX to help homeowners with their Mortgages and avoid foreclosure and have a more affordable monthly payment. ( XXXX ) We entered into a XXXX XXXX in XX/XX/XXXX and the amount this company is trying to collect was {$87000.00} and was forgiven. Now this company namedXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX is stating that they are now collecting for themselves. ( XXXX ) We strongly believe they have no right to collect and have seen on this same issue twice on the news that this company is like the last company that had acted as a XXXX XXXX and was collecting our mortgage payments. The amount the letter states they claim is {$100000.00}, which XXXX be incorrect since we were forced to pay and had to hire an attorney to stop the Foreclosure. I am reporting this company again and I saw they were in a different city in XXXX XXXX, XX/XX/XXXX on XX/XX/XXXX and it was reported by realtor XXXX XXXX. Also, CFPB representative XXXX XXXX said they need to know how widespread this is and I will say it is now in a different city, the last one was in XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I didnt use this Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX The second one : MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$500.00} past due as of XX/XX/XXXX. 

The third one is : I believe there is a third one but I cant see it because I open it one app right now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: OH

Complaint narrative:
I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE.

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 2024-07-30 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: IL

Complaint narrative:
My account with the XXXX XXXX XXXX  and i was never late! I have had exceptional payment history with this company 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 in XX/XX/year> to be removed 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. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

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! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
XXXX XXXX  turned over false balance amount owed to collector that will not provithere was no balance due they acually owe me my deposit backde no information. Even thou

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-07-30 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:
There are unauthorized inquiries on 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 2024-07-30 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 explanation