vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I hope this letter finds you well. I am writing to dispute an account that I believe to be fraudulent and associated with your services, as it has appeared on my credit report. I kindly request that you investigate this matter promptly and take the necessary steps to remove the fraudulent account XXXX XXXX XXXX XXXX XXXX from my credit report. I am taking immediate action to address this issue by disputing the account 's validity.

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 2024-01-24 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I hope this letter finds you well. I am writing to dispute an account that I believe to be fraudulent and associated with your services, as it has appeared on my credit report. I kindly request that you investigate this matter promptly and take the necessary steps to remove the fraudulent account XXXX XXXX XXXX XXXX XXXX from my credit report. I am taking immediate action to address this issue by disputing the account 's validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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:
In accordance with the Fair Reporting act XXXX # 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 instructions.

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 2024-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC
State: PA

Complaint narrative:
This collections is still being reported on all XXXX credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my XXXX reports. Its tax fraud and I will be filing a complaint with the irs if this isnt removed are furnished.

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 2024-01-24 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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:
I AM A VICTIM OF IDENTIY THEFT. A FRAUDULENT ACCOUNT IS ON MY TRANSUNION ACCOUNT THAT MUST BE REMOVED AND BLOCKED. NOT ONLY THAT, MY PERSONAL INFORMATION WAS EXPOSED IN A DATA BREACH, BY THE CREDIT REPORTING AGENCIES. THIS DATA BREACH CAUSED MY INFORMATION TO BE STOLEN. DUE TO MY IDENTIY BEING STOLEN, A FRADULENT CAR LOAN IS ON MY CREDIT REPORT. bLOCK, REMOVE AND DELETE THE FOLLOWING ACCOUNT THAT IS NOT MINE. 

Installment Account/Charge Off Account Name : XXXX XXXX XXXX Balance : XXXX Account Number XXXX Current Balance {$120000.00} Status Collection / Charge-Off Loan Type Auto Loan

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-01-24 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: IL

Complaint narrative:
My name is XXXX XXXX and after pulling a copy of my credit report, I noticed that your agency is in multiple violations. I DEMAND THAT YOU COMPLY in order to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Hello I XXXX XXXX, I am reaching out to express my profound concern and to formally dispute an egregious error pertaining to my mortgage account managed by Planet Home Lending. It has come to my attention that property taxes for an entirely unrelated property at XXXX XXXX XXXX, XXXX  XXXX, have been erroneously included in the escrow calculations for my mortgage on my residence at XXXX XXXX XXXX, XXXX, TX XXXX. 

This mistake has not only led to a significant and unaffordable increase in my monthly mortgage payment but also presents a clear lapse in the fiduciary duties owed to me as your client. I have never been late on a payment, yet I am now facing undue financial hardship and stress due to this oversight. It is deeply troubling that instead of rectifying this error, I have been advised to consider a loan modification for a situation caused by negligence on the part of Planet Home Lending. 

I am requesting an immediate and thorough investigation into this matter, followed by the appropriate adjustment to my escrow account to reflect only the property taxes for my actual homestead residence at XXXX XXXX XXXX. The suggestion of a loan modification under these circumstances is not only unacceptable but also adds insult to injury, considering the issue at hand stems from an error for which I bear no responsibility. 

To facilitate a swift resolution, I am prepared to provide all necessary documentation upon request. Your prompt attention to this matter is crucial to me, and I expect a detailed response outlining the steps Planet Home Lending will take to correct this error and adjust my mortgage payments back to their rightful amount, excluding the incorrect property tax charges. 

I trust that Planet Home Lending values its customers and will uphold its duty to correct this significant error without further delay. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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:
Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am a working woman who was in the process to getting approval for a home loan for first time homebuyer which is a new townhouse in construction. At the time my credit score was XXXX and I was approved by the builder for the townhome. During that process I had paid most of my bills accept one which was through PAYPAL/ My Synchrony Bank which is for {$120.00}. I was alerted by the Financial Mortgage Lender regarding this which I paid the whole amount on XX/XX/XXXX. My credit score went down XXXX points. When I paid off the account my credit score went back up to XXXX points. I was asked by my lender at the time if I can request a letter from PAYPAL/ My Synchrony Bank if they can remove the " late account " off my credit report. This would require them to request the three credit bureaus : XXXX, XXXX and XXXX to do this. I received a letter regarding the balance being at {$0.00}, but they would not remove this late account off my credit report to ensure that the account was paid off. This have made it difficult for me to go through the home mortgage process. I have had this same experience with an electrical company which I paid off my account and the company it not remove the late payment off of my record. I need assistance in how to remove closed accounts or paid off account out of the three credit bureaus. I also have my credit score rise back up to XXXX, XXXX and XXXX. Attached are my letter which I ask the PAYPALto remove the late entry. The other letters attached are the response from PAYPAL.

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 2024-01-24 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:
In accordance with the Fair Reporting act XXXX  # 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 instructions.

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 2024-01-24 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-01-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-01-24 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: NJ

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/2024 XXXX to XXXX American Express security XXXX XXXX XXXX XXXX ) XXXX ) called me and stated that I have an unusual credit card transaction, and probably someone stole my identity to open a credit card account and need to confirm my personal information including name, phone number, home address and social security number. After that, they transferred me to the XXXX police department and had a virtual meeting with them for police report. I exposed my face my voice and personal identity during the XXXX call and end up realized they are identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I first mailed a payment to Caesars Rewards Visa, Comenity Bank via USPS Priority Mail with tracking number with my full account number on the check and I mailed it with my payment coupon to the address that was on the payment coupon. A month went by with no payment posted. I refinanced my home, and this was a debt that was being paid off. My mortgage company stopped payment and processed a second check that I mailed to the same place back in XXXX. When I call or message them they just tell me to pay it online. My mortgage company does not pay this way and I should be allowed to mail a check and it be posted to my account. To this date my payment has not processed. I have sent numerous messages to the company because the amount of interest that has amassed since last XXXX when this payment should have been processed. I called and am given the run around every time I call. I work XXXX plus hours a week and all I want is my check to be posted to my account. I do not understand how you can say you didn't get a check when I mailed with a confirmation number and it shows delivered to your address. There is still an uncashed check floating around out there and all I want is that it be posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: NY

Complaint narrative:
They did hard inquires on my report

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 2024-01-24 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 identity theft please remove this fraud inquiry from my credit report.

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 2024-01-24 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 2024-01-24 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: DISCOVER BANK
State: MD

Complaint narrative:
reviewed my consumer reports and noticed that I had ( Insert Number of Late Payments ) late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/XXXX ], [ XX/XX/XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2024-01-24 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation