vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX, XXXX, XXXX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called TransUnion to file a dispute on XX/XX/year>. I dialed ( XXXX ) XXXX. I was on hold for over an hour. I was then connected to a female ( XXXX ) in the XXXX. The agent then disconnected the phone on me exactly at XXXX XXXX  XXXX. This is known as call-avoidance. This is not a one-time isolated event. TransUnion has a pattern and practice of doing this. I seek to hold TransUnion accountable. Please sanction TransUnion. I will continue to file valid complaints, each and every time this happens. In addition, I will follow up with more valid complaints with the : FTC, CFPB and 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 2024-08-31 00:00:00
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I have made every payment on this note with certified fund to make sure that the payment are made and on time. They hold money and then say that the amount are not correct each month. I got there letter about changes in insurance and they still did not apply it to the escrow. I will not make a change in the amount with out a notice of some kind of change. I send the mail certified so that I have the notice that all payments are received. This company is very difficult to deal with and does not seam to get this corrected. I have tried to get to XXXX that holds the true note. I want the late fee removed and the credit bureau updated. This is not 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 2024-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was not properly offered a loan modification back in 2010 XXXX XXXX XXXX XXXX XXXX nj XXXX loan number XXXX with Wells Fargo. Me and my XXXX children were forced to move it and lost our home please help. I do not agree with the last response I received. Thank you 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 2024-08-31 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account # - XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I entered into a loan agreement with GoodLeap to finance the installation of a solar panel system by XXXX XXXX XXXX. The solar system was supposed to significantly reduce or eliminate my electricity costs. However, the system has failed to meet the promised performance levels, leading to a substantial increase in my monthly expenses. My total energy costs have risen from {$200.00} to {$650.00}, with {$200.00} for regular electricity and {$450.00} for the solar panel loan payments. 

Additionally, XXXX XXXX XXXX has recently declared bankruptcy, which constitutes a material breach of the contract according to the terms outlined in the agreement. This bankruptcy has voided the warranty and left me without the necessary support to address the system 's deficiencies. As a result, I am now paying for a system that is not delivering the promised benefits, with no recourse to have it corrected or supported. 

I have requested that GoodLeap cancel the loan and discharge all remaining financial obligations due to the breach of contract and XXXX XXXX insolvency. However, GoodLeap has refused to do so, stating that the system is functioning properly from their perspective, despite the ongoing financial burden it imposes on me due to its underperformance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
I am writing to follow up on a dispute I submitted a month ago regarding several accounts on my credit report that I believe are inconsistent and/or inaccurate. Despite my initial request, I have not yet received a resolution or an update on the status of my dispute. 

For your reference, I have attached copies of the letters and supporting documentation I provided previously. I kindly request that you re-investigate these accounts with the information provided, as I believe it is crucial to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and look forward to your response.

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 2024-08-31 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:
I have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX bal. {$840.00}, XXXX bal. {$7300.00}, XXXX bal. {$150.00}, XXXX bal. {$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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting incorrect and false on my consumer report and said all the information is verified. XXXX removed all these fraudulent accounts including names and addresses that never belonged to me ever!! Who is XXXX XXXX XXXX. As per FCRA once one bureau removed all false information you have to do the same. This causing a great burden to me as I have been the victim of identity theft. Please see attached exhibits as proof of claim. I also sent a cease and desist and they are still reporting which is third party communication and that is forbidden. And according to cfpb.gov the law requires companies to delete disputed unverified information from consumer reports.

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 2024-08-31 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: VA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, Account # XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX. XXXX XXXX XXXX, Account # XXXX, XXXX. XXXX, Account # XXXX. 
XXXX, Account # XXXX. 
XXXX XXXX, Account # XXXX. 
XXXX XXXX XXXX XXXXXXXX, Account # XXXX. 
XXXX  Account # 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 an account without my written my instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-08-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have asked proof of the appearance of the PERSONAL INFORMATION that I have no idea of.

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 2024-08-31 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-08-31 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Accounts opened using my personal information that are not mine. 
XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXXXXXX XXXX  XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  ACCOUNT # : XXXX Open Date : XX/XX/XXXX ( Balance {$1100.00} ) XXXX XXXX L Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$710.00} ) XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX ( Balance : {$870.00} ) XXXX XXXX XXXXXXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance : XXXX ) False Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False Personal Information XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
I hope you are doing well. I am writing to formally dispute the late payment on my mortgage M & T BANK loan account XXXX dated XX/XX/year>. I was recently notified that my mortgage payment for XXXX was marked as late, which has resulted in late fees and a potential negative impact on my credit report. 

The payment in question, which was due on XX/XX/year>, was not processed due to suspicious activity involving my bank account debit card. On XX/XX/year>, I became aware of unauthorized debit card transactions that impacted the funds available in my account, causing my scheduled mortgage payment to fail. As soon as I noticed the suspicious activity, I took immediate action by contacting my bank to report the unauthorized transactions and initiate a dispute process regarding my debit card. Unfortunately, this issue led to insufficient funds for the mortgage payment withdrawal. 

I have since resolved the issue with my bank, and the necessary funds have been made available to cover the payment. I kindly request that the late fee be waived, and the late payment mark be removed from my credit record. I understand the importance of timely payments, and I have a history of being a responsible and reliable customer, as reflected in my previous on-time payments. 

Attached to this letter, you will find documentation from my bank verifying the unauthorized transactions and the steps taken to resolve this matter. I appreciate your understanding and cooperation in rectifying this situation. Please let me know if further information or documentation is required to support my dispute. 

Thank you for your prompt attention to this matter. I look forward to your favorable response and the removal of any penalties associated with this incident.

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 2024-08-31 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions

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 2024-08-31 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: OH

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 


XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief