vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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: MO

Complaint narrative:
In XX/XX/year>, I received letter in the mail from my bank regarding unauthorized transactions that were not commenced by me. I noticed inquires and a credit card account that had been sitting on my credit reports for a while. I found out immediately after being notified ad calling the companies connected to the accounts, and they confirmed that it was by a person I was previously dating. I called him and he admitted to the fault with ambiguity, vagueness, and lack of conviction. His actions have damaged my consumer reports by lowering my credit scores, causing credit accounts I've had with other creditors to be closed, and causing my credit limits with other credit card accounts to be cut and lowered by maxing out my accounts. I demand that the unauthorized accounts and inquiries being reported be block and removed immediately in accordance with section 605B ( 15 USC 1681 c-2 ) of the Fair Credit Reporting Act.

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 2024-06-28 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: MO

Complaint narrative:
In XX/XX/year>, I received letter in the mail from my bank regarding unauthorized transactions that were not commenced by me. I noticed inquires and a credit card account that had been sitting on my credit reports for a while. I found out immediately after being notified ad calling the companies connected to the accounts, and they confirmed that it was by a person I was previously dating. I called him and he admitted to the fault with ambiguity, vagueness, and lack of conviction. His actions have damaged my consumer reports by lowering my credit scores, causing credit accounts I've had with other creditors to be closed, and causing my credit limits with other credit card accounts to be cut and lowered by maxing out my accounts. I demand that the unauthorized accounts and inquiries being reported be block and removed immediately in accordance with section 605B ( 15 USC 1681 c-2 ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
These accounts are reporting inaccurate and incorrect information on my credit report. 
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is presenting incorrect and inaccurate information on alleged XXXX  days past due payments. 
This account is reporting incorrect information as the correct balance is XXXX. 
Please note that you have XXXX  days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
Please immediately remove these XXXX delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is duplicated on my credit report, please remove from my credit report. 

XXXX ) The following account must be removed from my credit report. 
Account name : XXXX XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is reporting incorrect information as the correct balance is XXXX. 
Please note that you have XXXX  days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
Please immediately remove these XXXX delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is duplicated on my credit report, please remove from my credit report. 

XXXX ) The following fraudulent account must be removed from my credit report. 
Account name : XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is reporting incorrect information as the correct balance is XXXX. 
Please note that you have XXXX  days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
Please immediately remove these XXXX delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is duplicated on my credit report, please remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/year> I sent XXXX XXXX XXXX a QWR request per respa which I have attached. XXXX XXXX XXXX  was my servicer before they transferred the servicing rights to XXXX XXXX. They haven't acknowledged my request for information within XXXX business days. They received the XXXX on XX/XX/year>. I need the information requested and have attached the letter I sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
My experience with PenFed has been a disaster. About a year ago I got a second telephone line for mobile service. I wanted to isolate my banking business from the non-bank business. I tried to make an online payment to PenFed using my new number and was told I couldn't do that for " security reasons. The phone number on my new phone didnt match the one on their records. I made numerous attempts to find out how I can change my old number to my new one. The PenFed story was I would have to send any recent household bill to verify my address and to simply write my new phone number on the bill. Despite this ridiculous proposal, meaning the Pen Fed solution, I went ahead and did that, including a USPS Registered letter. If their mail service is so unreliable, perhaps they should stop making their online payment so hard to use. They don't have an Email address that customers with questions or complaints can access. I find their advertising gimmick of being there for veteransinsulting. Please keep in mind that I made regular payments through USPS with a personal check being my only option. It was also the only entity I had business with that I had to use this antiquated method. PenFeds most recently questionable business scheme was to double my XXXX monthly payment by, not only, accepting the check that had cleared after approximately 10 days, but they also accessed my checking account without my approval or arrangement saying it was a payment for the same period my check was for. This meant that PenFed, which for that month wanted a minimum payment of about {$100.00}, managed to extract {$350.00}.

That same month, XX/XX/2024, the same bill had a charge placed by the XXXX  for an XXXX membership internet and a phone number XXXX. The amount was {$45.00}. I never agreed to this nor did I place an order online.

The following day PenFed sent another letter saying the method/Information I used to allow me to make payments online was insufficient for identification and I was given yet another phone number, no Email address. The method I used, in other words, a bill with my name and address and the new number on it, that was their idea, wasnt good enough. Are you starting to see the pattern Im seeing?

Im sending this same letter, by request, to the State of Missouri, Office of the Attorney General, Fraud Division. Im going to leave out the internet membership charge to the XXXX, in part because I dont want to believe the XXXX would do something like that to a member and a veteran.

Sincerely, 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 2024-06-28 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: AZ

Complaint narrative:
I was a victim of fraudulent activity and have researched how to remove the fraudulent items from my report. I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA Section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Attached are documents to assist in removing the accounts and erroneous personal information posted to my report. Here is the list of items opened without my permission : XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} Experian : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove such items within 4 business days of receiving the request.

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 2024-06-28 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: NV

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

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 2024-06-28 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:
15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TransUnion.

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 2024-06-28 00:00:00
Product: Mortgage — Manufactured home loan
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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was fraudulent induced in the purchase of home, that closed on XXXX and there was fraud in the inception and concealment and non-disclosure in the purchase of my manufactured home. First time homebuyer. 
I need to vacate to get medical treatments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  has been tested by licensed contractors and found throughout the home and in the crawlspace, including XXXX XXXX  and XXXX XXXX strains and many others. 

Spoke with PHH Mortgage on XXXX and XXXX. PHH bought this loan from XXXX XXXX  after my first payment. Asked for an abeyance or forebearance while the legal issues are being addressed. They continually hung up when we got to

the point of the financial questions. Would not give email, contact address or otherwise. No permits were obtained by seller to do restructuring including but not limited to the demolition to exterior walls, interior walls, doors, windows, and interior plumbing and electrical of manufactured home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to violation of co des involving height and placement on a walking path with a metal privacy screen attached.
Non-disclosure, concealment, fraudulent inducement by sellers and real estate agents who were on the same real estate team and sellers ' relative. Lenders are remiss in their fiduciary duty to me before, during and after sale. Realtor was negligent in her fiduciary duties to me. 

XXXX XXXX XXXX  and XXXX  attemptend to get me to sign condo document and rider after closing and after selling XXXXXXXX XXXX to PHH Mortgage.

Land was misrepresented as part of the sale, and later discovered that was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
My recent credit report is showing a collection from Jefferson Capital System XXXX, this debt collector gave me no time to dispute this debt, and I am requesting debt validation. In this debt validation I am asking for the original contract between myself and the original creditor with my signature stating that I agree to pay this creditor, proof that you have chain of title to collect on this debt, a detailed list of the history of payments as well. I am disputing owing any and all debt to this debt collector. Im also requesting to see the purchase agreement between the debt collector and the original creditor. My consumer rights are clealry being violated and this collection needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I looked at my TransUnion credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate, when noticing this and knowing that 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) Therefore, 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 15 USC 1681s-2 they are NOT suppose to 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 2024-06-28 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
I am seeking the removal of several unauthorized credit inquiries from my credit report. After reviewing my credit report from your bureau dated XX/XX/XXXX, I discovered thirty-nine unauthorized inquiries. These inquiries are detailed below by bureau : EQUIFAX : 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 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 Please investigate my claim in accordance with the Fair Credit Reporting Act. If any unauthorized inquiries are found, remove them promptly and provide me with an updated credit report. Thank you for addressing this matter swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-28 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-28 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: IL

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 1681XXXX 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 has violated my rights. 
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. 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 response to consumer: Closed with non-monetary relief