vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: DC

Complaint narrative:
On XX/XX/year> I called Experian to have them delete inaccurate inquiries that were due to Identity theft. I sent them a dispute letter, a FTC report and proof of identification. They couldnt delete certain credit inquiries because they noted that certain inquiries came from an existing account with a purchase of a vehicle loan. I told them yes I did purchase a car but on the same day I was a victim of identity theft which caused my information to be leaked. An Experian agent told me to contact the dealership so they can have the inaccurate information removed, however they insisted that the credit reporting agency has all the power to correct because they have no documentation per my request. I am asking Experian to do the right thing and delete these inaccurate inquiries because I was apart of identity theft. Based on the law I ask that Experian send me documentation or proof or any written permissible purpose regarding these inquiries according to the law. 15U.S.C ( B ) ( A ) ( 2 ). Please remove according to the law.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am contacting you to dispute the reporting of XXXX accounts by XXXX XXXX XXXX, a third-party debt collector, as outlined below. These accounts violate the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX Code XXXX, which mandates accurate, fair, and complete credit reporting. 

Disputed Accounts : Account XXXX : Amount - {$910.00}, Opened - XX/XX/2022 Account XXXX : Amount - {$1400.00}, Opened - XX/XX/2022 Upon reviewing my credit reports, I identified the following inaccuracies and issues that warrant immediate deletion of these accounts : Inaccurate Account Status and Balance : The status and reported balances for these accounts are incorrect. These accounts were purchased by XXXX XXXX and subsequently paid for less than the amount owed. The reported amounts do not reflect this payment accurately. 

Incomplete Information : My credit report does not show the amount XXXX XXXX paid for the debt, leaving the information inaccurate and incomplete, which is a clear violation of the FCRAs accuracy requirement. This omission of critical details affects my credit standing unfairly. 

Request for Deletion : Based on the inaccurate and incomplete information present, I request the immediate deletion of these accounts from my credit report. 

It is my understanding that 15 U.S. Code 1681 mandates that information in my credit file must be complete and accurate. These accounts, as reported, do not meet that requirement. Please confirm that these accounts have been removed from my report or provide a written explanation for any decision to retain them. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation of deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. I had aXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and XXXX still have not furnished me the information. 

XXXX is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. It states the last payment was XX/XX/XXXX. I had an accident and the vehicle XX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and XXXX still have not furnished me the information. 

Equifax is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and Equifax still have not furnished me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and XXXX still have not furnished me the information. 

Experian is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. It states the last payment was XX/XX/XXXX. I had an accident and the vehicle XX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and Experian still have not furnished me the information. 

XXXX is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. I XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and XXXX still have not furnished me the 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 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This is reported as an open balance. I have never been contacted via mail by this company. Whenever I get on my credit report, it seems to be a different agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Our home was flooded during Hurricane Helene and the flood insurance company gave us an advance check for {$15000.00} so that we can start with the repairs. The check was made out to us and the mortgage company, which prevented us from being able to deposit the check in our bank account without the mortgage company 's endorsement. We contacted the mortgage company and received instructions for forwarding the check to them for endorsement, along with a prepaid return envelope. 

The mortgage company has held our check for unknown reasons and refuses to endorse it and return it to us. This is creating an immense hardship for us and puts the ability to repair the home at risk due to potential mold growth.

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 2024-10-29 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: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I requested service to my air duct and was ad used it needed to be changed. 

I did not have the amount for the repair so I tried applying for credit they XXXX attempted XXXX or XXXX companies they use for financing customers and I was told that I was not approved. 

Each month this company has been running my credit reducing my credit score for amounts of inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What Happened : I am requesting assistance in removing XXXX negative XXXX XXXX accounts from my credit report. These items are currently affecting XXXX of my XXXX credit reports, despite having already been removed from the third report. 

XXXX & XXXX : I noticed that these XXXX XXXX XXXX accounts were reported negatively on my credit reports with XXXX and Experian. 
I filed disputes with both bureaus on XX/XX/XXXX and received responses stating the negative items would remain. 

Actions Taken : I successfully had the items removed from XXXX after a separate dispute on XX/XX/XXXX. 
Following the first dispute denial, I submitted additional disputes and requests for verification on XX/XX/XXXX, but my requests were again denied without sufficient explanation. 
I also attempted to work directly with XXXX XXXX for a goodwill adjustment but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
XX/XX/year>, made a duplicate loan payment in the amount of {$1000.00} to M & T bank for my RV loan. 

XX/XX/year>, called M & T and explained I made a duplicate payment, and asked the duplicate payment to be returned. Was told it will take XXXX business days. ( Later found out it is XXXX business days ) XX/XX/year>, did not receive refund of duplicate payment. Contacted XXXX Bank to request a claim be made because I needed the funds to pay other bills. 

XX/XX/year>, XXXX Bank gave me a temporary deposit in the amount of {$1000.00}. 

XX/XX/year>, checked my checking account with XXXX and saw the refund of {$1000.00} from M & T Bank XXXX XXXX bank I received the refund from M & T bank. 

XX/XX/year>, XXXX Bank reversed the temporary deposit for {$1000.00}. 

XX/XX/year>, I made my monthly payment online and noticed the next payment due was XX/XX/year>, instead of XX/XX/year>. I sent an email to see why the due date is a month behind. 

XX/XX/year>, I received a response from XXXX that the XXXX payment was not made and was reversed. 

XX/XX/year>, I responded to XXXX stating the payment should not have been reversed. The duplicate payment was reversed and sent back to me. 

XX/XX/year>, XXXX stated both payments were returned, and I am XXXX month past due. 

Fast forward several emails and XXXX months, through various calls and emails I found out both the XXXX payments were reversed. Each time I questioned why both payments were reversed, but they couldn't come up with an answer. They kept stating the payments were reversed, therefore I was past due. Each time I explained I only received a refund for the duplicate payment, and they should not have reversed the original payment. This went on for several months, countless calls, and various employees. 

M & T Bank has been constantly calling me requesting the late payment. Each time I talk to someone I advise them to look at my account and review all the conversations I had regarding this issue. My last conversation was Thursday, XX/XX/year> with an employee named XXXX. She said the reversal of the original payment rejected, and was not returned to me. She referred the case to an administration team. As of this date I have not heard back, and continue to receive daily calls from M & T bank regarding the " past due '' payment. 

Each call leaves me angry, frustrated and emotionally stressed. This has been going on for months with no resolution.

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 2024-10-29 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 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.

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 2024-10-29 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX  XXXX XXXX XX/XX/XXXX inquiries XXXX XX/XX/XXXX personal information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : OTHER

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
Hi my name is XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I purchased a new XXXX XXXX XXXX in XXXX of XXXX from a XXXX XXXX. I financed this vehicle through Chrysler Capital. The loan was paid in full in XXXX of XXXX. I have letters stating the vehicle was paid in full however none are signed or notarized. I had tried to sell/transfer the vehicle to my daughter in XXXX and discovered that the secretary of state will not accept the documentation I do have to release the lien on the vehicle. I have called XXXX XXXX several times since then and also paid a fee to XXXX XXXX to get a clean title or signed release of lien letter so that I can remove the lien from the vehicle but have not been able to rectify the situation. The dealer that I purchased the vehicle has changed hands and was unable to help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year> & XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )

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 2024-10-29 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: NY

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, IL XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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