vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM THE CFPB THE DOOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY FROUP HELPING ME DUE TO XXXX XXXX ACCORDING TO XXXX  DEBT BONDAGE, WHICH FALLS UNDER RULE 1002.142 ( B ) ( 7 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$590.00}, XXXX XXXX {$620.00}, XXXX {$2100.00}

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 2024-10-23 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Escalation of Unresolved FCRA Violations by Equifax - Third Notice I am filing this third complaint against Equifax for their continued willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This complaint follows two previous unresolved complaints : 1. Initial CFPB complaint # XXXX submitted on XX/XX/2024 XXXX. Second CFPB complaint # XXXX submitted on XX/XX/2024 Nature of Complaint : Equifax has demonstrated a pattern of non-compliance with FCRA requirements by : 1. Failing to respond within the mandatory 4-business-day timeline to block disputed items as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) 2. Ignoring multiple FTC Identity Theft Reports ( Numbers XXXX, XXXX, XXXX, XXXX ) XXXX. Failing to conduct the required reinvestigation under FCRA XXXX ( a ) ( XXXX ) ( A ) XXXX. Not providing the legally required description of their verification procedures under FCRA XXXX ( a ) ( XXXX ) ( B ) ( iii ) XXXX. Maintaining disputed information without proper verification, in violation of FCRA XXXX ( a ) ( XXXX ) ( A ) Timeline of Non-Compliance : XX/XX/2024 : Initial CFPB complaint filed ( Complaint # XXXX XXXX XXXX : Second CFPB complaint filed ( Complaint # XXXX ) XX/XX/2024 : No action taken by Equifax after 5+ days This pattern of non-response and non-compliance suggests willful violation of FCRA requirements. Under FCRA 616 ( 15 U.S.C. 1681n ), willful non-compliance subjects Equifax to : Actual damages sustained by the consumer Statutory damages of {$100.00} to {$1000.00} Punitive damages as determined by the court Costs of the action and reasonable attorney 's fees Requested Resolution : I demand immediate action from Equifax to : 1. Immediately block all disputed items referenced in my previous complaints XXXX. Provide written documentation of : o The specific method of verification used for each disputed item o Names and addresses of all information furnishers contacted o Explanation for their failure to respond within statutory deadlines XXXX. Remove all unverified items from my credit report XXXX. Provide compensation for any credit denials or adverse actions taken due to their non-compliance I request that the CFPB : XXXX. XXXX Equifax 's pattern of non-compliance XXXX. Enforce the statutory deadlines and requirements under FCRA XXXX. Consider this repeated non-compliance when evaluating penalties XXXX. Ensure Equifax provides written confirmation of all actions taken within XXXX days Previous Reference Numbers : CFPB Complaint # XXXX CFPB Complaint # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX I authorize the CFPB to share the details of this complaint with other government agencies if necessary for resolution or enforcement purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE 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  IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR CREDIT INVESTIGATION,

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 2024-10-23 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: MS

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, &

Equifax didn't make sure it was reporting 100 % correct. In accordance with the FCRA an d Metro 2 compliance reporting standards. Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) the se accounts are in violation of not reporting 100 % accurate. I'm disappointed tha
t XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: SC

Complaint narrative:
I was in arrears, I spoke with the Asset Manager and I agree on XXXX, XXXX to their 6 month payment plan starting XX/XX/XXXX to XX/XX/XXXX. I paid a down payment of {$2200.00}. On XX/XX/XXXX I started my payment ( if needed to have their confirmations for all payments ) with {$1100.00} to XX/XX/XXXX, In XX/XX/XXXX Hurricane Helene hit South Carolina hard ( if needed, I have a video of the damages in my yard ). I used part of the XX/XX/XXXX payment to survive. I paid XX/XX/XXXX payment plan on XX/XX/XXXX, but the mortgage servicer posted it on XX/XX/XXXX. I informed the Asset Manager when I can paid XXXX, then come out with she made an error. I am thinking I would be back on track in XXXX with my regular of {$770.00} and she tell be I owe now XXXX and XXXX and if I do not have it she will go to the Investors I ask can I have a payment plan again, for 4 months that would start in XX/XX/XXXX end in XX/XX/XXXX. The plan is XX/XX/XXXX paid {$1100.00}, XX/XX/XXXX, {$1100.00}, XX/XX/XXXX {$1300.00} and final 4 month in XX/XX/XXXX, {$1300.00}. I asked her would be Investors put XXXX and XX/XX/XXXX on the end of my loan ( forbearance ) and she said they said No! I am a XXXX XXXX and living on a fixed income. I know my more is increase in XX/XX/XXXX because of my Home Insurance increase. It was her error and they should work out something with me instead of such a high payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-23 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: GA

Complaint narrative:
I told XXXX, Transunion, and XXXX to reinvestigate this account. XXXX XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that if the last date of payment is wrong? The balance is incorrect. I never received the GAP insurance money back or credited to the account. The date of the last activity and much more are wrong. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C.1681 Section 602 A states I have a right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of conviction 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 Also, they aren't even in compliance with Metro Two credit reporting . I have evidence to prove my case

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 2024-10-23 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I recently became aware of a checking account ( account ending in XXXX ) allegedly opened with USAA Federal Savings Bank in XX/XX/XXXX. However, I have no knowledge of ever opening this account or authorizing anyone to open it on my behalf. USAA claims that they received a signature card on XX/XX/XXXX, which supposedly confirms my acceptance of the Depository Agreement and Disclosures ( DAD ). I did not sign any such card, nor did I ever agree to the terms of this account. 

USAA states that the account became overdrawn and was charged off with a negative balance of {$5000.00} on XX/XX/XXXX. They also claim that further transactions were made after the account was charged off, increasing the balance to {$11000.00}. I was not aware of this account, had no involvement with these transactions, and did not receive any notifications at the time. 

On XX/XX/XXXX, USAA closed the account due to the outstanding balance, and they have now stated that I am ineligible to open a new account with them. I dispute the ownership of this account and the legitimacy of any debts associated with it. 

I am requesting that USAA provide concrete proof that I opened this account, including the signed signature card they claim to have on file, as well as any other documentation linking me to this account. If they can not provide this proof, I request that they clear any records or reports connected to this account and remove any associated debts. 

Furthermore, I request confirmation that they have not reported this account to XXXX, XXXX XXXX XXXX, or any other consumer reporting agencies, as this may be negatively affecting my ability to open accounts with other financial institutions.

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 2024-10-23 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: KY

Complaint narrative:
Request for Removal of Unauthorized Inquiries Under Section 1681b of the FCRA Dear : My name is [ your full name ]. I am filing a complaint regarding unauthorized credit inquiries appearing on my credit report in violation of Section 1681b of the Fair Credit Reporting Act ( FCRA ). 

The inquiries that I do not recognize or authorize are : XXXX XXXX transunion XX/XX/XXXX XXXX XXXX  transunion XX/XX/XXXX XXXX XXXX transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting removal of these inquiries and an investigation into their legitimacy. 

Thank you for your prompt attention

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 2024-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Receivables, Corp
State: CO

Complaint narrative:
I was first contacted by Property Receivables on XX/XX/year>. The man who called had an accent and was difficult to understand, but he asked about an apartment complex I lived in several months ago. This apartment complex claimed I owed fees for gas and electric and they paid the energy company in my name, but I called the energy company and they told me the billing for this time period had been in error and I did not owe any debt to them. Additionally, the energy company told me that gas was not furnished to my address. Despite this information, the apartment complex refused to modify the bill or return my security deposit. I told the man from Property Receivables I disputed the debt and to not contact me via phone again. When I told him this, he laughed. 

I contacted Property Receivables again on XX/XX/year>, asking for an email address so I could communicate with them in writing. I emailed them on XX/XX/year>, telling them I disputed the debt and asked for a validation letter. I also asked for them to communicate with me only in writing, and not via phone. I received confirmation the same day that the email had been received. 

Nevertheless, I received calls from Property Receivables on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. They used a variety of different numbers to call, which felt extremely deceptive. Some were XXXX numbers, and others looked like regular phone numbers. These calls were during the work day and very disruptive. 

9 days after my initial request ( XX/XX/year> ) that they provided me with documentation of the debt via email. It was the same bill that I disputed with the original apartment complex, because I do not owe them anything for energy to that apartment. It is my understanding that under 1006.34 ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section ... within five days of that initial communication. 

The same day, XX/XX/year>, I sent a cease and desist letter and on the basis of their failure to furnish me a validation letter during the statutorily required time period. I sent this letter via certified mail and over email. They confirmed receipt via email, and claimed the statutory period is 30 days, but failed to cite any legal authority for their position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
I am now in pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the TransUnion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consists of a car loan lease XXXX XXXX XXXX XXXX XXXX XXXX account number XXXXopen on XXXX on XXXXA credit card From XXXX XXXX XXXX XXXX  account number XXXX.A XXXX XXXX  account number XXXX was open XXXX of XXXX XXXX & XXXX account number XXXX was open XXXX XXXX XXXXThese accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report do not recognize the aforementioned accounts.i have attached a copy of the FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts , collections of identity theft and fraud.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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