vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I have noticed several unauthorized inquires in my credit report that I want removed. According to the FCRA, these unverified and unauthorized items must be removed.

I have contacted the credit bureaus and have filed disputes but have unsuccessfully been able to get these items removed. 

XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Inquired on XX/XX/XXXXXXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By mail only XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXXXX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : 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 2024-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
CREDIT MGMT is alleging I owe a debt but they have provided me with no evidence that this is indeed true. This is a third party to the an agreement I made with another company that they have no authority to collect for XXXX because I read over their articles of incorporation and did not see this company listed as involved in the companys business practices and I have received no summons from a competent court stating they have permission to collect this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: NJ

Complaint narrative:
Formal Dispute Regarding Late Payment Verification [ XX/XX/XXXX ] XXXX Transunion LLC Dear Sir/Madam XXXX XXXX XXXX I am writing to formally dispute the accuracy of the late payment entry on my credit report, which has been verified by your bureau. The late payment in question appears on [ XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ] and is associated with the account [ XXXX XXXX XXXX Account # XXXX ]. Despite my previous attempts to dispute this entry, it has been reaffirmed by your investigation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request detailed information regarding the method used to validate and verify the accuracy of this late payment. Specifically, I would like to receive : 1. Documentation illustrating the process followed to validate the accuracy of the reported late payment.

2. Any correspondence exchanged with the creditor regarding the validation of this late payment.

3. Any evidence provided by the creditor to substantiate the claim of the late payment. 
4. Details of the individual ( s ) responsible for conducting the investigation and verifying the accuracy of the late payment.

I emphasize the importance of transparency and adherence to regulatory standards in resolving this matter. As a consumer, it is my right to receive comprehensive information regarding the validation process conducted by your bureau.

I urge you to conduct a thorough review of this dispute and provide the requested information within the time frame stipulated by the FCRA. FAILURE to provide sufficient evidence to validate the accuracy of the late payment may result in the REMOVAL of this entry from my credit report. 

Please consider this letter as a formal request for investigation and provide a written response within 30 days, as required by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation in resolving this dispute. I look forward to receiving the requested documentation and a favorable resolution to this issue. 

Sincerely, 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX || DATE OF INQUIRY : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX || DATE OF INQUIRY : XX/XX/2024 - XXXX || DATE OF INQUIRY : XX/XX/2024 - XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2024

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX  XXXX XXXX DATE OF INQUIRY : XX/XX/year>

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TFC Credit Corporation of California
State: TX

Complaint narrative:
I pulled my credit report and noticed that this company is reoporting inaccurate information on my credit profile. I checked the remarks section where it shows the payment history, and this company has that since the account opening in XX/XX/XXXX through XX/XX/XXXX there was on time payments. Then in XX/XX/XXXX this agency reported that i was 60 days past due. then following that the agency reported that my account was 30 days past due in XX/XX/XXXX. This company is reporting misleading/inaccurate information on my credit profile. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
I requested an investigation of balance on consumer report 15 usc 1681i ( a ) ( 2 ) tilte oder dispute with regard to the completeness an acurracy of any information provided by a person to a consumer reporting agency the person ( A ) conduct an investigation with respect to the disputed information 15 usc 1681 ( B ) ( C ) ( D ) ( E ) ( ii )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Hello, my mortgage was bought by Mr. Cooper from XXXX in the beginning of this year. 
there are several issues, all related to terrible communication with and from the company. 
Issues : 1. I've been bombarded with robocalls from the cooper, but their system would not connect properly - there is at least 30 30-second deadline before the message begins. That led me to drop the calls considering it to be a mistake. Today I waited long enough to hear that they are trying to collect debt. since the loan is still in 60 60-day grace period - this is a mistake. there was no option to connect with a human to rectify the issue. 
2. All calls to their customer service department, as well as all options on the website and in web chat provide the same automated and unhelpful responses. There is no option to connect with a customer service rep. Today, after 4 or 5 attempts I somehow was able to connect to a service rep in a completely different account. She kindly resolved my questions in 6 minutes. 
My total time spent trying to get to a CS is 49 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have a missing account on my Transunion consumer report. I wrote transunion already to inform them of the missing accounts that the other agencies have reported. 
ACCOUNT # XXXX XXXX XXXX account # XXXX opened XXXX amount {$1000.00} status closed.

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 2024-04-09 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: GA

Complaint narrative:
I found some inquiries on my credit report that don't belong to me

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 2024-04-09 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: TX

Complaint narrative:
I hope this message finds you well. I am writing to express my frustration and concern regarding the repeated inaccuracies present on my credit report, despite multiple dispute attempts. As a conscientious consumer, I have diligently followed the proper channels to rectify these errors, yet they persist, causing undue stress and potential financial harm. 

It has come to my attention that despite my prior disputes, the inaccuracies remain unchanged on my credit report. This recurring issue not only undermines my confidence in the accuracy of the information provided but also hampers my ability to access fair credit terms and opportunities. 

I want to emphasize the importance of accurate credit reporting, as it directly impacts individuals ' financial well-being. The persistence of these inaccuracies despite my efforts to rectify them is both concerning and unacceptable. I urge you to thoroughly investigate the matter and take prompt action to correct the erroneous information on my credit report. 

Furthermore, I request transparency regarding the processes involved in handling disputes and ensuring the accuracy of credit reports. It is essential for consumers to have confidence in the integrity of credit reporting systems, and the current situation undermines this trust. 

Please consider this communication as a formal complaint and a request for immediate resolution of the inaccuracies on my credit report. I expect a timely response outlining the steps taken to address this matter and the timeframe for its resolution. 

Thank you for your attention to this urgent matter. I look forward to your prompt action and resolution of this issue.

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited my state refund in person into my BoFA checking account on XX/XX/2024 in the amount of {$1400.00}. I was notified later that day by email that the check was being held for 7 days. On XX/XX/2024 I deposited my federal refund in person in the amount of {$5000.00}. I specifically asked what the hold would be on that check and was told and given a receipt that the funds would be available on XX/XX/2024. I was also told that {$220.00} would be available immediately. I was notified again later that day by email that those funds would be held 7 days, including the {$220.00}. Had I been properly notified of these holds according to regulations I wouldn't have deposited the funds with this institution. Now I have no access to my own money.

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 2024-04-09 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:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt,

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 2024-04-09 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: FL

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
In 2020 I was a victim of fraud/identity theft. My Discover card was one of my credit cards that had charges on it that were not mine! Somewhere right around $ XXXX in charges. This company has absolutely no fraud protection or prevention for their consumers! And they had no care in the world that I fell a victim to fraud and refused to work with me in getting these charges off of my account. And now has reported it on my credit report as a charge off which is hurting my credit! Ive tried calling in several times over the last 2-3yrs with no help or feedback at all!

Company response to consumer: Closed with explanation