vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company 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 2024-05-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-08 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:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-05-08 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:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-05-08 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:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-08 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: NC

Complaint narrative:
I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting by Experian and associated mismanagement by XXXX XXXX account erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentationsuch as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

Additionally, it is critical to highlight that both accounts were written off and reported as income through 1099 forms. As these debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. The failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score.

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 2024-05-08 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: MI

Complaint narrative:
REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. 
TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Arvest Bank has a policy regarding overdraft protection that is detailed within the small print located in paperwork signed at the branch when applying in an office during initial account creation, but more specifically it is something that is automatically agreed upon when instituting the protection at a teller location whereupon in as is in my case, the protection is started and your teller simply says " ok you're good to go ''. 

The issue arises for me as I never saw this small print regarding overdraft protection. So, for months and months I have been going to the bank on paydays, moving my balance and overdraft allowance over to my mother 's account in order to pay her bills and mine, as I have taken over these things for her, and never once have I had a problem doing so until today, a payday, whereupon I am told I no longer am protected by this overdraft allowance. 

The branch could only tell me it was because I had not left a " positive balance '' long enough and that I had incurred a " suspension of overdraft allowance '' due to my infraction. I asked for lenience and help, was offered none whatsoever and left to call the support center. 

The support center transfered me to XXXX who quickly told me I was being offered no help, and furthermore, would not be allowed to use their overdraft again until I had " proven with a positive balance for 2 consecutive months that I wouldn't abuse this system ''. 

My complaint is being filed in order to achieve the following, as I understand fully there will be no help or recompence for my situation. This is a weekly occurance for XXXX and the patrons who are setup with overdraft protection in this way. SO, I ask for the business to institute changes to their policy. While I was there, an XXXX associate was kind enough to call a man and wish him happy birthday. I would like Arvest bank to institute a new policy in which the same courtesy was extended to those patrons who on a payday, with bills due, and a hungry family to feed, could truely have used a call telling them about the coming shut down of their finances. A simple offer of advice at the teller every month for the past months would have helped. How was I to know I wasn't leaving my money in my account long enough? To be negative for months, but have multiple paydays coming in direct deposit doesn't make a bit of sense to me. 

Thank you for the time reading. I am leaving XXXX and wish for my complaint to be stated openly so that the bank and its management can understand the average plight of the average consumer who encounters their " regulations '' at the absolute worst time, in the most disrespectful and disruptive way possible to our lives.

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 2024-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
When I purchased my home with Wells Fargo the appraisal was XXXX, My loan was XXXX so that had my LTV at 76 % I feel I should had never been charged PMI ( Private Mortgage insurance ) My mortgage recently was sold to XXXX I am trying to have the PMI removed again. My question is should wells Fargo reimburse all the PMI I paid wrongfully? Also I was in the process of PMI removal with wells fargo and then they sold my mortgage before I could finish the process. Thanks

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A premier credit card account is being reported by XXXX, TransUnion, and XXXX. 

This accounts last update occurred on XX/XX/year>. As per the information documented in the comments, this account was falsely listed as being compliant with FCRA regulations. XXXX even attested to this, with records indicating supposed verification of reported data by the company. However, I contest the accuracy of this account.

Despite federal law obligating the furnisher to rectify and refresh the account, it persists with discrepancies, including missing, inaccurate, and inconsistent data, knowingly reported by the company.

TransUnion lacks payment history for this account, while XXXX and XXXX display numerous inconsistencies in payment records.

All major credit bureaus exhibit deficient, inaccurate, or inconsistent data regarding this account. Accordingly, I request the deletion of this account due to inaccuracies and FCRA 623 violations.

According to the Duty of Furnishers to Provide Accurate Information : ( A ) Reporting information with actual knowledge of errors or after notice and confirmation of errors is prohibited.

If this account remains undeleted, I will presume willful noncompliance, subjecting the company to liabilities including actual damages sustained by the consumer and legal fees, as outlined in the FCRA.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A premier credit card account is being reported by XXXX, XXXX, and Experian. 

This accounts last update occurred on XX/XX/year>. As per the information documented in the comments, this account was falsely listed as being compliant with FCRA regulations. Experian even attested to this, with records indicating supposed verification of reported data by the company. However, I contest the accuracy of this account.

Despite federal law obligating the furnisher to rectify and refresh the account, it persists with discrepancies, including missing, inaccurate, and inconsistent data, knowingly reported by the company. 

XXXX lacks payment history for this account, while XXXX and Experian display numerous inconsistencies in payment records.

All major credit bureaus exhibit deficient, inaccurate, or inconsistent data regarding this account. Accordingly, I request the deletion of this account due to inaccuracies and FCRA 623 violations.

According to the Duty of Furnishers to Provide Accurate Information : ( A ) Reporting information with actual knowledge of errors or after notice and confirmation of errors is prohibited.

If this account remains undeleted, I will presume willful noncompliance, subjecting the company to liabilities including actual damages sustained by the consumer and legal fees, as outlined in the FCRA.

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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me

Company 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 2024-05-08 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: TN

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-08 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: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: CA

Complaint narrative:
I have disputed with all XXXX major credit bureaus erroneous information they are reporting on a charge-off account from XXXX. I will upload a form 1099C that was provided to me by XXXX as this debt has been Cancelled and forgiven. However all XXXX credit bureaus still continue to report inaccurate balances, past due balances and payments for the past XXXX years. I would like this account DELETED from my report, by all XXXX credit reporting agencies, as it is completely inaccurate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccuracies found on my credit report. The discrepancies involve inconsistent Date of Last Activity, Unknown Collection Agency, Unauthorized inquiry, and incorrect account information such as address.

The inaccurate information is negatively impacting my credit score and financial well-being. I request that the CFPB intervene and assist in resolving this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
Father died and have been appointed as estate representative but can do nothing to stop foreclosure or modify the loan. He didn't pay for 8 months and left me as inherent of house. I have deed but still can't work anything to right the missing payments with Freedom Mortgage.

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 2024-05-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company 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 2024-05-08 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:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted..

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Date of inquiry XXXX XX/XX/XXXX According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

Company response to consumer: Closed with explanation