vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-05 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 demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-05 00:00:00
Product: Mortgage — Reverse 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: Ocwen Financial Corporation
State: MA

Complaint narrative:
We are ready to close, have a buyer, paperwork sent and asked for the clear to close on the short sale, without an extension, the deed is signed but we are waiting for the bank we are ready to close and emailed them ( PHH mortgage company ) short sale department for the clear to close without asking for an extension. My attorney made all of the corrections on the HUD that the PHH mortgage company requested and we sent the title commitment, per their request. We have been actively working with the Short sale dept at PHH Mortgage company collectively and now that we are ready and sent everything need to them, We have been asking for the clear to close. And the PHH mortgage company are not responsive and now a day before the auction date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My credit card payment was due on XX/XX/XXXX, and my oversight I did not set it up. I paid it on XX/XX/XXXX, only 2 days after due date. Upon making the payment, I noticed that I was charged a late fee of $ XXXX. I called the credit card company and asked why since it was only 2 days beyond, and most companies do give that leeway, and was told it is their practice to charge a late fee the day after payment was due if not made. I expressed my concern with that, and informed that I felt it was unfair practice, and that no other credit card company I have dealt with does that. Customer service rep was not helpful and not able or willing to adjust it as he stated again it was their practice to impose late fee the next day.

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 monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Trying to apply for financing and the application is getting rejected because Experian is reporting that the credit report is locked or missing. I have already unlocked my account with Experian and every time I log in it says that its no longer frozen and is available. However the applications still keep getting rejected. When I tried to call Experian for assistance, their automated system keeps hanging up on me after saying that it " can not transfer you to a support representative '.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-12-05 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-05 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: IA

Complaint narrative:
Reviewed most recent credit report from XXXX and I noticed inquires that did not belong to me. 

XXXX XXXX  XXXX XX/XX/year> XXXX- XX/XX/year> After reaching out to the creditors, I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and removed as they do not have the ability to do so. 

After contacting the CRA I was met with push back even though I expressed the inquiries in question did not belong to me and the creditors agreed are not attached to any file or application they have with my accurate personal information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-12-05 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: IA

Complaint narrative:
Reviewed most recent credit report from XXXX and I noticed inquires that did not belong to me. 

XXXX XXXX  XXXX XX/XX/year> XXXX- XX/XX/year> After reaching out to the creditors, I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and removed as they do not have the ability to do so. 

After contacting the CRA I was met with push back even though I expressed the inquiries in question did not belong to me and the creditors agreed are not attached to any file or application they have with my accurate personal information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: T.S. Holdings
State: GA

Complaint narrative:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2024-12-05 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 have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im writing to report an issue with a fraudulent account that has shown up again on my credit report. This account was deleted after I disputed it as part of an identity theft case. I had already worked with TransUnion, and they confirmed its removal on XX/XX/XXXX. Now, I see that the same account has been reinserted, and I wasnt notified about it. This isnt just frustratingits also a violation of the Fair Credit Reporting Act, which says I should have been informed within XXXX business days of any reinsertion. This account is fraudulent, inaccurate, and has been causing me unnecessary stress. I need TransUnion to delete it again and confirm for me that its gone for good. Id also like to know what steps are being taken to prevent this from happening again. Im counting on your help to fix this quickly and make sure my rights under the FCRA are respected.

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 2024-12-05 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: OH

Complaint narrative:
I am writing to formally dispute several accounts on my credit report that are a result of fraudulent activity following a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the following accounts from my credit file : XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  # : XXXX Filed : XX/XX/XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
re : XXXX acct ending in XXXX re : XXXX  acct XXXX Hello friends at the CFPB, I have disputed this account both with all 3 agencies on multiple occasions as well as directly with the original creditor /data furnisher, XXXX, because of multiple INACCURACIEES on my credit report. In the attached letter from XXXX, they make their statement as entailed. 

On XX/XX/XXXX I contacted XXXX credit card regarding this account still appearing on my credit reports. The agencies ALL are misreporting information and I've disputed multiple times like mentioned above. So I contacted Ally to request the XXXX form from them because, as per the recorded call, the representative XXXX did state it WAS indeed charged off. I know I am obligated to report INCOME to the IRS. This representative put me on hold twice and told me he's unable to get the XXXX form because it was charged off in XX/XX/XXXX. He then transferred me to his internal " Account XXXX XXXX ''. I then was received by a gentleman named XXXX with XXXX XXXX. On that recorded call, he advised XXXX XXXX was a XXXX XXXX. I informed XXXX to CEASE AND DESIST from further contact. I refuse to pay them a cent as XXXX charged off the {$640.00}. This guy asked me to verify my information XXXX no thanks. I'm not giving a stranger my personal information, if you legally had this account and ALL THE CONTRACTUAL DOCUMENTS, you'd already have that!!! 

XXXX XXXX  representative lied on a recorded call. Told me it was charged off and he just couldn't access the XXXX form. Then- intead of transferring me to the internal team he indicated, he XXXX Transferred me to a Collection agency, which if it was charged off, there's no debt XXXX XXXX. This is fraud. Another pool service purchase and fraud. 

The best part : This account is NOW HELD BY TWO OFFICES - XXXX at Ally, the other at XXXX XXXX. 

XXXX deleted the account because THEY KNOW it was wrong. 

Attached are docs and screen shots of errors, for the XXXX time now. 

https : //www.csfsolutions.com/ https : XXXX THIS IS DOUBLE JEOPARDY, folks. 

Please enforce the DELETION this account from my credit file ASAP. I appreciate your help. 

re : XXXX acct ending in XXXX re : XXXX acct 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX Did not report XXXX credit card to any Credit reporting agency since XXXX. The XXXX XXXX XXXX can see Transunion on or about XXXX and XX/XX/year>. The Mortgage department refused Mortgage XXXX and XX/XX/year> claiming they could not see Transunion account XXXX But was able to see it from the previous pull. I am the original true lender and creditor, and XXXX keeps taking my credits and not extending them to the rightful owner Initial on auto loan XXXX and XXXX as well as XXXX and XXXX on the mortgage applications. The company sent a denial the first time. Then claimed they could see the report in which they can see actually.

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: MORGAN STANLEY & CO. LLC
State: CO

Complaint narrative:
E*TRADE initiated a new fee last month for their high interest checking. In their communications they stated that the new $ 15 monthly service fee applies to accounts with average daily balance below {$5000.00}. Last month my average daily balance was approx. {$8000.00} and E*Trade paid my monthly interest payment on that amount yet still charged me the {$15.00} for being below the average of {$5000.00}. I have contacted the bank multiple times to resolve and they repeatedly tell me they will investigate but I have received no resolution and they have not reversed the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: GA

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. Please see the attached file for this concern.

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