vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: DC

Complaint narrative:
My SNSC Complaint to CFPB | XXXX XXXX XXXX My primary problem is my mortgage servicer : o is not allowing me to make any payments on this financial product for my personal residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and o is suing me to take my home from me in foreclosure court at this moment despite receiving federal funding and personal payments as stipulated for a XXXX statement. 

Previously, I paid on this monthly note via my online account to debit my checking account, but I no longer have access to my account to post a payment. 

Documents are arranged chronologically and numerically labeled for reference : Pages Date Amount Communications XXXX XX/XX/XXXX {$340.00} Proof servicer was added to homeowner insurance policy, as SNSC requested XXXX 

XXXX XXXX XXXX  {$410.00} Proof servicer locked me out of my account to not allow access to make XX/XX/XXXX payment on my financial product without incurring a late fee. 

XXXX XX/XX/XXXX Proof servicer has been paid in full for mortgage arrears and forward-facing payments on behalf of homeowner. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4500.00} Monthly statement indicating total amount due with late fees. 

XXXX XXXX XXXX  {$4600.00} Default notice # XXXX. 

XXXX - XXXX XX/XX/XXXX {$63000.00} Default notice # XXXX. 

XXXX - XXXX XX/XX/XXXX {$3600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX -- Past due notice # XXXX. 

XXXX - XXXX XX/XX/XXXX {$3600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX {$2600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX {$2600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX -- Proof of condo association property / hazard insurance certificate. 

XXXX XX/XX/XXXX {$1700.00} Monthly statement indicating total amount due with stipulation unapplied payment reversals and regular payment with adjustments. 

XXXX - XXXX XX/XX/XXXX {$29000.00} DC Homeowner Assistance Fund final payment for financial product. 

XXXX XXXX XX/XX/XXXX {$3500.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX -- Monthly statement indicating total amount due. 

XXXX XXXX XX/XX/XXXX {$2600.00} Monthly statement indicating total amount due. 

XXXX - XXXX XXXX XXXX -- Monthly statement indicating total amount due. 

XXXX XXXX XXXX XXXX {$1700.00} Monthly statement indicating total amount due. 

XXXX - XXXX XX/XX/XXXX {$1500.00} Monthly statement indicating total amount due. 

XXXX - XXXX XX/XX/XXXX -- Loan activity XXXX - XXXX XX/XX/XXXX {$1500.00} Monthly statement indicating total amount due. 

XXXX - XXXX XX/XX/XXXX -- Basement unit floor plan of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: PA

Complaint narrative:
I am a victim of identity theft, I have asked for all proof that this account belongs to me and try to see what documents were submitted to open this account. I have received nothing. Attached is the account at hand and the identity theft affidavit. None of the account information is correct not even the address they have on file. 

THIS ACCOUNT NEEDS TO BE REMOVED NOT ONLY FOR INACCURATE INFORMATION BUT I DID NOT OPEN 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 explanation
Consumer complaint received 2024-02-01 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX 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 2024-02-01 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: PA

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.

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 2024-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
I have maintained a flawless payment history with PORSCHE FINANCIAL SRVC, but unfortunately, due to the circumstances surrounding the family death, I inadvertently misplaced my PORSCHE FINANCIAL SRVC statement. This oversight led to a 30-day late payment report in XX/XX/2023, which is now affecting my ability to secure a new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts wihtout my permission or authority. Please check 100 percent accurate, true correct. XXXX XXXX is aware of the issue & agreed to remove the account from my credit file. Please remove.

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 2024-02-01 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-02-01 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: TX

Complaint narrative:
The Credit Reporting Agencies never did a proper " investigation '' according to the FCRA.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal.

They also violated the law because according to : 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I did not give anyone or Credit Reporting Agency written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: DE

Complaint narrative:
Under 605B, this account must be taken off ASAP. I'm really upset that it's showing up on my credit record, and it's not my account. Its presence has greatly bothered me, and I feel sick about this situation. Please remove it promptly. 

According to 605B, this account should be 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 explanation
Consumer complaint received 2024-02-01 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: MO

Complaint narrative:
I am writing to express my deep dissatisfaction with the multiple unsuccessful attempts to remove unknown inquiries from my credit report. I have diligently followed the dispute process outlined by your bureau, yet the unauthorized inquiries persist on my credit file. 

I first became aware of unauthorized inquiries on my credit report during a routine check. 

I submitted multiple dispute letters providing all necessary documentation to prove that I did not authorize these inquiries. 

Despite my repeated attempts, the unauthorized inquiries remain on my credit report. 

I have attached copies of the dispute letters, along with the supporting documents, for your reference. 

This situation is not only causing undue stress but also has the potential to harm my creditworthiness. I am particularly concerned about the negative impact this may have on my ability to secure favorable terms for future financial transactions. 

I request that you conduct a thorough investigation into this matter and provide a detailed explanation for the persistence of these unknown inquiries. Furthermore, I expect prompt action to rectify this issue and a confirmation of the removal of these unauthorized entries from my credit report. 

If this matter is not resolved withinthe exact timeframe from the date of this letter, I will have no choice but to escalate my complaint to relevant consumer protection agencies and legal authorities. 

I believe in the importance of a fair and accurate credit reporting system, and I trust that your bureau will take the necessary steps to address and rectify this situation promptly. I am asking for your assistance to remove these fraudulent inquiries in my credit file : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-02-01 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: MS

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

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 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. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
They contacted me and told me I owe a fraudulent debt from an identity theft case FTC report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
For 2 Accounts, THD/CBNA ( Home Depot Credit Card XXXX Account # XXXX the report my payment late for XX/XX/2023 to the credit bueru

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I opened a direct deposit checking account with Wells Fargo on XX/XX/2023 to obtain a promotion reward of {$320.00} which they offered after 90 business days. The other requirement was to receive a total of {$1000.00} of more in qualifying electronic deposits to the new checking account within 90 business days. The account shows a deposit of {$1100.00} 0n XX/XX/2023 within the XXXX business day required period. 
Wells Fargo has now refused to give me the {$320.00} promotion reward to me. 
Their argument is that the time period was NOT 'business ' days ... which is the normal time of business ... but the time period was total days. 
Further, I have been a mortgage customer of Wells Fargo for 19 years. They do not consider that I am a long-time, consistently paying customer when refusing to give me the promotion reward.

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 2024-02-01 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX Balance : {$280000.00} XXXX XXXX Balance : {$350.00} XXXX  XXXX XXXX Balance : {$3800.00}

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 non-monetary relief
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX Balance : {$280000.00} XXXX XXXX Balance : {$350.00} XXXX  XXXX XXXX Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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:
On XX/XX/XXXX I sent company a dispute for Inaccurate reporting that was on my consumer report, as well as unauthorized inquiries. 

A dispute was mailed out to the company certified mail and return sender, I have attached valid copy of Passport, Social, and proof of residency with my current ant only address. 

XXXX ) XX/XX/XXXX XXXX # XXXX ) Inaccurate Reporting 2 ) XX/XX/XXXX XXXX # XXXX ) Unauthorized Credit Inquiry on my credit report The only address that should reporting is : XXXX XXXX XXXX # XXXX XXXX, NY XXXX This is now my second attempt trying to resolve this issue with Equifax.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report. 

I am demanding for the following accounts to be verified and updated by credit agency. All late payments be removed. 

I am demanding all inquires to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unverified Inquiry I am demanding the following late payments to be removed from my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: GA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$430.00}

Company response to consumer: Closed with non-monetary relief