vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for a checking account from my spouse member number and I got a denial so I called because my credit is good and I wasn't sure why I was denied. They told me I had a car loan with them before that wasn't paid. I had no idea what the representative meant because I never had any loan with XXXX XXXX so I asked for an investigation they provided me with a fraud document to fill out and return to them at the office. I provided the information, and they then told me it should take 15 days and they would send me the decision by mail. After a month went by I then called again to follow up they stated it should sometimes take up to 60 days to complete and they would then send me the decision by mail. 4 months went by I then asked to speak to someone in charge so I could file a complaint then they sent me a letter just saying the information appeared correct. I asked for verification and it was never provided. I have never had a load with this bank and this needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately DEPT OF EDUCATIONXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XX/XX/XXXX - {$25000.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$110.00} Please block this information from my credit report within four business days, pursuant to Section 605C 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 2024-10-17 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: MO

Complaint narrative:
After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: North American Credit Services
State: UT

Complaint narrative:
North America Credit Services are using harassment tactics to collect a debt. 
They have not provided any proof of this debt. 
Everything they are doing is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: NY

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17 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:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17 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: FL

Complaint narrative:
My personal information was stolen and used to open fraudulent and unauthorized accounts in my name. 

I am writing to dispute the accuracy of certain information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they provide. I believe that XXXX has failed to uphold this standard regarding the following items on my credit report : 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

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 2024-10-17 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:
My personal information was stolen and used to open fraudulent and unauthorized accounts in my name. 

I am writing to dispute the accuracy of certain information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they provide. I believe that EQUIFAX has failed to uphold this standard regarding the following items on my credit report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Hanna Holdings Inc
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Howard Hanna Mortgage Services regarding their refusal to provide reasonable accommodations during my FHA mortgage refinancing process, in violation of the Fair Housing Act ( FHA ) and Americans with Disabilities Act ( ADA ). Their actions have resulted in financial harm, emotional distress, and significant delays in my refinancing. 

Background : I applied for an FHA mortgage refinance with Howard Hanna Mortgage Services and was informed that some non-structural repairs needed to be completed, including moving excess XXXX pipes and covering a sump pump. Due to my documented XXXX, I am XXXX  unable to perform these tasks myself. As such, I requested reasonable accommodations, specifically asking that funds be held in escrow to hire contractors to complete these non-structural tasks after closing. 

Despite my repeated requests, Howard Hanna failed to engage in a meaningful dialogue or provide any response for over four weeks. Recently, I received a notice that my mortgage application was denied because I refused to complete the repairs prior to closing, despite my requests for accommodations under FHA and ADA regulations. 

Harm Incurred : Howard Hannas refusal to make accommodations has caused significant harm, including but not limited to : Financial Strain : I have faced late payments on other financial obligations due to the delay in refinancing, leading to credit score damage and the inability to pursue refinancing with another lender. 
Emotional Distress : The ongoing uncertainty and lack of communication have caused significant stress for both me and my family. 
Increased Costs : The inability to complete these minor tasks post-closing means I am now facing additional financial burdens as Howard Hanna continues to deny reasonable accommodations.

Violations : Howard Hanna 's actions appear to be in direct violation of : Fair Housing Act ( 42 U.S.C. 3604 ( f ) ( 3 ) ( B ) ), which mandates that housing providers make reasonable accommodations for individuals with disabilities to ensure equal access to housing. 
Americans with Disabilities Act ( ADA ), which requires that no undue burden be placed on individuals with disabilities in accessing services, including mortgage lending. 

Requested Action : I request that the CFPB investigate Howard Hanna Mortgage Services for violations of FHA and XXXX regulations, and enforce corrective actions to ensure that XXXX XXXX complies with federal law. I also seek compensation for the financial and emotional harm caused by their refusal to accommodate my XXXX during the refinancing process. 

Thank you for your time and attention to this matter. I am confident that your office will help ensure that my rights under federal law are respected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: SC

Complaint narrative:
I am always paying on time so I am quite perplexed as to why these accounts were being reported with late payments. I want this to be updated to positive because this should not be with late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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:
This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX number XXXX  ( CLOSED ACCOUNT )

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 2024-10-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUSSRQ Holdings, LLC
State: PA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nun # ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 instructions. 15 U.S. C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-17 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: AZ

Complaint narrative:
I want these inaccurate accounts to be removed! I have reviewed my credit report and saw these accounts being reported and have my reputation damaged because of this.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my charged-off account to the consumer reporting agencies. The account in question was charged off/written off on XX/XX/2018 ; however, you continue to report it as an active debt that is still owed. This reporting is not only inconsistent but also materially inaccurate for several reasons. 

If a charge-off exceeds {$600.00}, as is the case here, it is treated as taxable income, and a 1099-C should be issued. By continuing to report the account as an outstanding debt, you are creating a contradictory situationone that treats the same amount both as income ( for tax purposes ) and as a debt ( for credit reporting purposes ). This inconsistency must be corrected immediately. 

As a direct result of this inaccurate reporting, my credit score has been negatively impacted with the account status being derogatory. The incorrect information has also led to credit denials from other creditors, limiting my access to financial opportunities and adversely affecting my life. I expect you to take prompt corrective action to resolve this matter. 

Please confirm your receipt of this complaint and let me know when these corrective actions will be completed. I expect your timely response to avoid further damage to my credit standing. 

Thank you for your attention to this important matter. I look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
( 1 ) I never consented to a loan. Merchant, XXXX XXXX, advertised a monthly subscription that would be paid through payment service, Affirm. 

( 2 ) The XXXX XXXX salesperson never disclosed that they would create a loan in my name. Around XX/XX/XXXX, XXXX XXXX and Affirm created a loan without my consent. The payments appeared to be a monthly subscription as the salesperson had offered and I had not been aware of the creation of the loan. Through fraudulent sales representation by XXXX XXXX I was deceived to think the payments to Affirm were a monthly subscription to XXXX XXXX. 

( 3 ) Between XX/XX/XXXX and XX/XX/XXXX, I never used any services of the " subscription '' and decided to cancel but it was unclear how to cancel through the app or otherwise. 

( 4 ) In XX/XX/XXXX, resolving to cancel the " subscription '', I contacted XXXX XXXX. They informed that I did not have a subscription with XXXX XXXX. Instead, I was told I had a loan with Affirm. So, I was unable to cancel the payments and was responsible for any remaining loan balance. After complaining to XXXX XXXX for being unable to cancel what was supposed to be a subscription, XXXX XXXX " apologize [ d ] that you felt like you were mislead. '' I was offered partial refund of {$500.00}. I did not accept this offer because I had been deceived and asked for a full refund which led to an a new offer for partial refund of {$1000.00}. This is still unacceptable. 

( 5 ) Affirm is responsible for servicing this fraudulent loan and bears the responsibility for the accuracy and authorization by the consumer. I submitted a dispute to Affirm to report the loan as invalid. 

( 6 ) I did not consent to a loan. Therefore, I also did not consent to the loan payments. 

( 7 ) Furthermore, the sophistication of this deception suggests XXXX XXXX and Affirm are partners in this abuse of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MS

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C 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 2024-10-17 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: SC

Complaint narrative:
I am always paying on time so I am quite perplexed as to why these accounts were being reported with late payments. I want this to be updated to positive because this should not be with late payment remarks.

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