vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of a data breach and identity theft, which has resulted in fraudulent accounts and unauthorized inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following accounts and inquiries from my credit report.

Fraudulent Accounts XXXXXXXX XXXX XXXX XXXXXXXX - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXXXXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$700.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} Unauthorized Inquiries 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for their continued failure to investigate and remove fraudulent accounts and outdated personal information from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and submission of the required documentation, Equifax has failed to take appropriate action, claiming that they have not received the necessary evidencea blatant falsehood. 

The fraudulent accounts on my credit report are the result of identity theft stemming from the Equifax data breach, which exposed my personal information to criminals. I have already submitted updated identification and documentation to Equifax multiple times, yet these inaccuracies remain unresolved. The fraudulent accounts that Equifax continues to report include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX In addition to the fraudulent accounts, Equifax has failed to remove outdated and fraudulent addresses tied to these accounts, including : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX These addresses are not associated with me, and I have provided proof of identity theft and the data breach as well as updated identification. Equifaxs continued inaction perpetuates inaccuracies on my credit report, harming my creditworthiness and financial stability. 

Equifax has claimed on multiple occasions that they did not receive my documentation, despite my providing clear and verifiable evidence. This is not only a failure of compliance but also an attempt to obstruct the resolution of my disputes. Such behavior directly violates the FCRA, which mandates that credit reporting agencies : Conduct reasonable and thorough investigations of disputes within 30 days.

Remove inaccurate, unverifiable, or fraudulent information promptly. 
Provide transparency and clear documentation of their investigative process. 
By failing to act, Equifax has demonstrated negligence and disregard for federal law. Their inaction has caused ongoing harm, including financial loss, emotional distress, and damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
I am having severe problems with LoanDepot. First, LoanDepot completed an Escrow Ananylsis using two annual homeowner insurances. This is incorrect. This cause my monthly mortgage to increase to {$1200.00}. The annual homeowner 's insurance is paid once a year. 
After investigating the problem of the homeowner 's insurance. I cotacted the XXXX XXXX XXXX and it was discovered that XXXX returned the {$2200.00} to LoanDepot and XXXX sent me the check which checked by LoanDepot.This is the problem. LOANDEPOT RECEIVED THE CHECK XXXX XXXX BUT FAILED TO CREDIT MY ACCOUNT. THE {$2200.00} WAS DEBITED TO MY ACCOUNT CAUSING A NEGATIVE BALANCE IN MY ESCROW. I continued to pay my monthly mortgage payment every monthly as required. Loandepot STRONGLY defied the truth and continued to increase my monthly mortgage payments From XXXX to XXXX ) .The is unlawful, Loandepot received the missed funds but fail to credit my mortgage account. Please assist we with this problem/situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 XXXX XXXX XXXX. 

CA Account Services : # 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 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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate and Potentially Fraudulent Accounts on Experian Credit Report Dear CFPB, I am writing to formally dispute the following items reported on my Experian credit file. These accounts are either inaccurate, unverified, or potentially linked to a data breach affecting my personal information. I request that these accounts be thoroughly investigated and, if found unverifiable or erroneous, removed from my credit report immediately. 

Disputed Accounts : XXXX XXXXXXXX : XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX : 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 XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccurate or unverifiable information on my credit report. Additionally, under 15 U.S.C. 1681e ( b ), Experian is obligated to ensure the maximum possible accuracy of the data they report. 

Given the recent national data breach affecting credit-related institutions, I believe some of these accounts were fraudulently opened or inaccurately reported. 

Thank you for your immediate attention to this matter. I request confirmation once your investigation is complete and action is taken. 

Sincerely, 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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
XXXX was sent to company and there has been no response or acknowledgement. 

To whom it may concern, I recently pulled my credit report and noticed INACCURATE information. This account is not mine because I have insurance to cover nay any medical fees. Please advise me as to the name and address of the medical provider, the service, the service date and to whom the service was provided. I am further requesting a breakdown of the fees including any collection costs and medical charges. Also, per HIPAA LAWS please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY!

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received my consumer reports and noticed that I had one late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXXXXXX XXXX XXXX ( XXXX ) .To verify this, I took the initiative by going into a branch to verify these inaccuracy and was informed that the card nor accounts could not be verified. Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be, as I was never late. Thanks! Update the account to paid on time and never late

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my consumer reports and noticed that I had one late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXXXXXX XXXX XXXX  ( XXXX ) .To verify this, I took the initiative by going into a branch to verify these inaccuracy and was informed that the card nor accounts could not be verified. Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be, as I was never late. Thanks! Update the account to paid on time and never late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received my consumer reports and noticed that I had one late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXXXXXX XXXX XXXX  ( XXXX ) .To verify this, I took the initiative by going into a branch to verify these inaccuracy and was informed that the card nor accounts could not be verified. Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be, as I was never late. Thanks! Update the account to paid on time and never late

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently disputed my bankruptcy with Equifax and they said that it come back verified. The letter they sent saying it was verified had inaccurate information They have the court listed as XXXX XXXX unknown. This is inaccurate. They also had the filing date as XX/XX/year> This date is inaccurate what dated was the bankruptcy filed this inaccurate. If this was verified they should have the correct dates It is the credit bureau job to report complete and accurate information I have attached the letter from Equifax as my proof. I also attached my Id and social as my proof of Identity. I also asked that Equifax send me documents they use to verify this information with in a time which is allow by the law and also will like for Equifax to send me a updated credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX is my ss # lens is trying to collect on a debt that was discharged and send information negative to all three credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shepherd Outsourcing, LLC
State: IL

Complaint narrative:
I have been contacted repeatedly about a phone bill. I have asked multiple times for the company to send me proof of debit and a copy of my wet signature proving its mine and that I own it. They have failed to do so in a timely manner. They buy debits for pennies on the dollar then turn around and try and get money out from people. This is why they can offer you a settlement so cheap. Thats double dipping and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it XXXX concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my XXXX Credit Report. 

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the folllowing account be validated or DELETED immediately : XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, 2024 In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
I had this identical issue at this time last year, and attempting to contact the mortgage company to get it resolved in a timely manner proved fruitless until I filed a complaint. ( Reference complaint number XXXX ). I did try to contact the company today, but was unsuccessful as it is a weekend. Because this issue has not been resolved from last year, and in an effort to get it resolved immediately and avoid unnecessary frustration, I am foregoing further attempts to contact the mortgager and will simply repeat the process that got the results last year. 

My property taxes were due on XXXX. Today, XX/XX/XXXX, I received a mailed notice that the taxes had not been paid and will become delinquent on XXXX. Based on prior experience, I am concerned that attempts to contact the mortgager about this on my own will not be fruitful, or that I will not have sufficient time to take any further action I need to take ( if any ) once they respond. 

I am hopeful that the issue can be resolved comletely this year and that I won't need to repeat this complaint process next year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I called XXXX XXXX customer service and complained that I couldn't use a coupon of XXXX XXXX for the items in the cart. She stated that the black friday deals did not apply to the coupon. I asked her to show me where and she then placed me on hold and went to speak to a supervisor. When she came back she mentioned that the deal of the day applied to the black friday deals and I could not use the coupon. I went further to let her know that this is misleading because the coupon does not state that it excludes black friday deals. I told her that I was writing a letter to you and she hung up on me. This happened on XXXX XXXXXX/XX/XXXX @ XXXX ET.

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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
PayPal closed my account and withheld my funds on XX/XX/year> after u made an attempt to withdraw my funds! My house burned down and I was trying to move money to pay for a room for me and my children! We had no clothes or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
XXXX SENT ME A FRAUD CHECK XX/XX/year> I already have a complaint filed which they responded to quicker than any message i sent the before i messaged the cfpb seems them CFPB gave them an odd push and they still took my money! I went to bank and felt so embarrassed. 
They finally sent my check yet its fake I've took it to the branch it came from which is chase and ITS NOT LETTING ME CASH IT ANYWHERE even on my XXXX which i never have problems with. after waiting 3 months for it after account closure This proves they are 100 % fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Details of the Complaint : XXXX. False Advertising : Sofi Bank advertises features such as 4.2 % APY and access to XXXX services. However, the XXXX feature is locked unless the account is set up with direct deposit. Despite meeting this requirement, XXXX functionality was not enabled on my account. 
2. Compliance with Requirements : I initially set up my direct deposit to Sofi Bank, but XXXX remained unavailable. To ensure compliance, I contacted my CPA, who confirmed my Sofi account as my primary direct deposit account. Despite this, the XXXX feature was still not activated. 
3. Poor Customer Service : I contacted Sofis customer service team multiple times to resolve the issue. The representatives were rude, unprofessional, and unwilling to provide clear guidance or solutions. During my final call, the manager I spoke with was dismissive, uncooperative, and even terminated the call without resolving my concerns. 
4. Unfair Practices : No other financial institution I have used requires direct deposit to unlock XXXX. This unnecessary restriction makes Sofis account features inaccessible and inconvenient, especially for customers without the ability or desire to set up direct deposit. Sofis failure to fulfill their advertised services feels misleading and unfair to consumers.

Company response to consumer: Closed with explanation