vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
Today, I noticed unauthorized inquiries on my credit report and have no idea how they got there. I routinely check my report and never had issues before, but now, these discrepancies suddenly appeared. I tried refreshing the page, thinking it might just be a browser error, but nothing changed. Im requesting a detailed review of the documents I sent to ensure I never have to face this worry again.

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 2024-11-01 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: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. XXXXXXXX XXXX has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/year> XXXX XXXX XXXX Account ending XXXX I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX NITHER DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC and I have also filed a complaint against them on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Self Financial Inc.
State: KY

Complaint narrative:
Date : XX/XX/year> Time : XXXX XXXX Incident : Denied XXXX XXXX Credit Card To Whom This May Concern : I am submitting this report ; due to the fact, that I have been denied in building my credit score numbers. However ; I have tried on several occasions to apply for a XXXX XXXX XXXX XXXX XXXX. 
I have been denied on several occasions.

My credit score is very low and Im trying to achieve a better score.

I dont know why I am getting denied.

Also ; I have had my personal identity stolen quite a few times. But, I have provided my personal information to identify myself. On the contrary ; they have treated me like I was the villain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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:
Despite the multiple previous written requests, the unverified item listed below still remains 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 verifiedthat this item is being reported correctly? Who verified this item? 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 item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2024-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Gurstel Law Firm, P.C.
State: NV

Complaint narrative:
Im complaining about Gurstel Law Firm who is a collector. My XXXX  account loans were approved for discharge by the borrowers defense I filed in XXXX and was approved XX/XX/XXXX. Its now XX/XX/XXXX and my wages are getting garnished. I called XXXX who confirmed that I have no loans or loan balance any more and everything has been paid. They sent me an account summary once again confirming it. I never got any letters from this law firm about wage garnishment or and type of judgements against me. Ive called numerous times and keep getting the runaround and sent to voicemails after voicemails. Ive called so many times every day and am getting no where. Ive sent all documentation in providing my discharge approval along with proof of XXXX balance yet theyre still giving me the runaround and no answers to anything. Theyre taking over XXXX a month and I cant even pay my basic bills. Ive called federal education student aid and confirmed I dont have any loan balances as well and everything is paid and confirmed the borrowers defense was legit and I was definitely approved. Im at a loss of what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. these remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: SC

Complaint narrative:
I am writing to formally dispute an error on my XXXX credit report related to my account with XXXX XXXX XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. This error has incorrectly impacted my credit profile and caused undue harm, and I demand immediate rectification. 

Despite my consistent payment history and the fact that TransUnion and XXXX accurately reflect my account status as " Paid as Agreed, '' XXXX continues to report this account inaccurately. I have never missed a payment with XXXX XXXX XXXX, and this misinformation is not only erroneous but also a clear violation of my rights under federal law. Under the FCRA, credit reporting agencies are required to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ), and XXXX has failed to meet this standard. 

This inaccurate reporting has caused significant frustration and potential financial harm, impacting my credit score and reputation unfairly. I am requesting that XXXX immediately update my credit report to reflect the correct account status of Paid as Agreed, Never Late ( PAANL ). XXXX continued reporting of this account inaccurately is not only in direct violation of the FCRA but also constitutes a breach of my rights under the U.S. Code. 

Furthermore, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX accountable for failing to uphold the FCRAs standards. This discrepancy on my report is unacceptable and must be corrected without delay to prevent further harm. If immediate action is not taken, I am prepared to escalate this matter further, as I have every intention of enforcing my rights under the law. 

Please confirm in writing that XXXX has updated my report to reflect the accurate account status. I request a resolution of this matter within the 30-day period stipulated by the FCRA for consumer disputes.

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 2024-11-01 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: SC

Complaint narrative:
I am writing to formally dispute an error on my XXXX credit report related to my account with XXXX XXXX XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. This error has incorrectly impacted my credit profile and caused undue harm, and I demand immediate rectification. 

Despite my consistent payment history and the fact that XXXX and Equifax accurately reflect my account status as " Paid as Agreed, '' XXXX continues to report this account inaccurately. I have never missed a payment with XXXX XXXX XXXX, and this misinformation is not only erroneous but also a clear violation of my rights under federal law. Under the FCRA, credit reporting agencies are required to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ), and XXXX has failed to meet this standard. 

This inaccurate reporting has caused significant frustration and potential financial harm, impacting my credit score and reputation unfairly. I am requesting that XXXX immediately update my credit report to reflect the correct account status of Paid as Agreed, Never Late ( PAANL ). XXXX continued reporting of this account inaccurately is not only in direct violation of the FCRA but also constitutes a breach of my rights under the U.S. Code. 

Furthermore, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX accountable for failing to uphold the FCRAs standards. This discrepancy on my report is unacceptable and must be corrected without delay to prevent further harm. If immediate action is not taken, I am prepared to escalate this matter further, as I have every intention of enforcing my rights under the law. 

Please confirm in writing that XXXX has updated my report to reflect the accurate account status. I request a resolution of this matter within the 30-day period stipulated by the FCRA for consumer disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-11-01 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Please address this matter urgently, as Ally failed to contact me before reporting the missed payment to the credit bureau, even though, as a cosigner, I should have been informed. They also refused to help my girlfriend under extreme circumstances. 

I cosigned on a vehicle for my girlfriend, who has made every payment on time for over XXXX years. However, in XXXX, XXXX XXXX hit Georgia, destroying our home and causing her to miss her first payment. In the aftermath, my loan provider, XXXX, granted me a courtesy forbearance, and I assumed Ally would offer her similar assistance. However, when she reached out to Ally, they refused any form of support or relief, despite the financial impact of the hurricane. 

My girlfriend did not inform me that Ally had denied her assistance, so I was unaware of the missed payment. The payment eventually went 30 days past due, and Ally never notified menot by phone, email, or maileven though I am a cosigner. I only discovered the issue when I saw my credit report, showing a XXXX drop due to the missed payment. 

I contacted Ally twice to resolve this. On my first call, their outsourced customer service struggled to understand the situation and promised a manager would follow up, but no one ever did. XXXX weeks later, after a lengthy phone call, I finally spoke with a XXXX. I explained that my girlfriend had always paid on time and that this was a unique situation caused by the hurricane. However, they still refused to remove the negative mark from my credit report, saying, you should make your payments on time, even though the missed payment was due entirely to a natural disaster. 

Allys refusal to assist, given these circumstances, shows a lack of compassion and a failure to follow the standard practice of notifying responsible parties, such as the cosigner, and their responsibility to provide reasonable assistance after a major disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, we paid off our XXXX, which is serviced through Shellpoint. The account activity has been cryptic and difficult to understand since we started with them. Even after paying off the loan, there were constant adjustments that made it seem like our payments werent applied correctly. In XXXX, we made a payment. {$3200.00} was applied to an unapplied account bucket. It was not applied to principal. I called and asked an agent to correct. They said they would. However {$55.00} remained in the unapplied account bucket. After requesting a check for {$55.00} amount, I received a set of checks. Both XXXX  XXXX XXXX and XXXX XXXX rejected them, even when we had no balance on the HELOC. 

I requested another check around XXXX, but it never arrived. When I followed up, I was told an XXXX credit would be processed by XX/XX/year>, but that also didnt happen. Upon further inquiry, the agent insisted I owed {$55.00}, despite my XXXX statement showing no balance and a credit for {$55.00}. I escalated the issue to a supervisor, XXXX XXXX, who spent about XXXX minutes researching while I was on hold. She said they would look into it, but when I asked how I would know anything would be done, she could only reiterate that she would investigate. 

I find the organizations practices confusing and potentially fraudulent, leading me to believe I may be unfairly charged.

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 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I would like additional informantion in regards to who I escalate this Discrimination claim to against Citi Simplicity. I have a letter and a recorded statement from a Supervisor that Citi Simplicity closed my account due to the fraudulent activity. The supervisor supplied me with information that I have had this card for 7 years, and that I have never had one late payment. This card had a {$13000.00} credit line dropped to {$0.00} after I filed a fraud claim. I was directed to call the ADA department of Justice for the XXXX. My credit score is based on Debt to income ratio and I am being discriminated against for a fraud case and for filing a complaint? Who do I go to from here? Their response is untrue as per the recorded statement from someone who actually cared about the victims

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 2024-11-01 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: PNC Bank N.A.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act, PNC BANK has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency cannont furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please remove this late payment dated XX/XX/year> and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX  Account # XXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Incorrectly reports XXXX XXXX late payments in XXXX, XXXX and XX/XX/XXXX. 
XXXX : Similarly reports XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Equifax : Also reflects XXXX XXXX late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief