vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: NC

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX I believe this information is inaccurate, and I kindly request that you provide me with any supporting documentation or records used to verify these late payments as required under the Fair Credit Reporting Act ( FCRA ). Under FCRA, credit reporting agencies and creditors are obligated to ensure the accuracy of the information they report. I am exercising my rights under these laws to seek validation of the reported information. If you are unable to provide such documentation, I request that the erroneous information be promptly removed from my consumer report to avoid further damage to my credit standing. According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The late payment information reported on the aforementioned accounts does not reflect my payment history accurately and violates this section of 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 2024-10-11 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:
All inquiries from XX/XX/year> to XX/XX/year> have not been acknowledged by me and were not made or authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XXXX XXXX, XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CAP ONE VIA DEALER XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX CAP ONE VIA DEALER XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE BANK USA XXXX XXXX, XXXX CAPITAL ONE BANK USA XX/XX/XXXX XXXX  XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: MO

Complaint narrative:
I have tried to call Equifax to have them remove a fraudulent inquiry and they will not remove it they are not doing their job as far as the fair credit reporting act XXXX XXXX XXXX XXXXXX/XX/year> Above is the fraudulent inquiry that is on my credit report and I want it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I went online today and discovered the following transaction : XXXX XXXX XXXX XXXX {$4.00}. I reported this transaction to my bank and a live agent XXXX however when she noticed the cards had my name and my spouses name ( she stopped being helpful because of us being a legally XXXX XXXX  ). We tried to deal with it anyways, but XXXX kept disconnecting the USAA cyber chat  and booting us from the chat for such a serious matter. It never did get resolved.

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 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The following personal information is incorrect Incorrect Name - XXXX, XXXX, XXXX - The following personal information is incorrect Incorrect DOB - XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect EMPLOYER - XXXX XXXX XXXXXXXX XXXX XXXX following personal information is incorrect EMPLOYER - XXXX XXXX XXXXXXXX XXXX XXXX XXXX The following personal information is incorrect

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 2024-10-11 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: SC

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: MN

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: MIDFIRST BANK
State: TX

Complaint narrative:
My credit card application was rejected by this bank and they pulled my credit report on XXXX and I was told I was approved over the phone and then I try to call them back and my phone number was blocked by this bank for no reason. And the application number XXXX This dont make any sense at all. I was told I was approved for up to XXXX credit limit Then my phone XXXX was blocked from calling mid first bank

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 2024-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A wire was sent to a non existing account at XXXXXXXX XXXX  for {$6300.00} on XX/XX/2024. I have attempted to have Chase Bank resolve this issue over the last 3 months. I have filed XXXX complaints. 2 with XXXX and now my second with Chase. This issue is still not resolved. They informed me that they made over 5 attempts to contact XXXX XXXX I filed a complaint with XXXX and was told that Chase Bank never contacted XXXX regarding this wire. The money never went into an account so it is sitting there and I need it recalled so it can be put back into my account. XXXX ID is XXXXXXXX XXXX ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I got the mortgage with Pennymac home loans in XX/XX/XXXX. The property I bought is an investment rental in XXXX XXXX TX. Renters occupy the property. I reside in Colorado. 

I was laid off from my job in XXXX XXXX XXXX so I had no income. Also XXXX XXXX TX charged inflated property taxes of over {$9000.00}. This went to my mortgage escrow which made the monthly payment jump up to {$2000.00}. The rental payments were non existent since I had trouble finding a renter for the year until XX/XX/XXXX. ( The current rent doesn't even cover the mortgage ). I have been bleeding my hard- earned retirement account dry making the payments. 

I called Pennymac for help in XX/XX/XXXX. They said I should apply for a loan modification, which I did. After hours of filling out their forms and finding and sending documents to them it was finally in process. In XXXX XXXX XXXX I called to check on the status. I was told that if I didn't default on my payments the system would deny the loan modification because it would see that the payments were timely. So I purposefully stopped my current payment. Next thing I knew the loan modification was denied because they do not cover NON-OWNER OCCUPIED properties. No one bothered to tell me this in the first place! Anyway, I went ahead and made the mortgage payment which ended up being late. It was actually the second of two late payments.

In the meantime, I wanted to have them cancel the escrow so my property manager and I could work directly with XXXX XXXX to dispute and lower the property taxes each year. PennyMac refuses to cancel the escrow because of the late payments. This after they actually basically TOLD me to default on my payments while it was in the loan modification process! I argued my point with a manager for half an hour to no avail. They won't release the escrow. Also, they keep trying to have me talk to collections to get some kind of program to help me, even though I have already been told by their collections department that they don't have any programs to help a non-owner occupied property loan client. It's like they are just pushing me off on someone else so they don't have to deal with me.

I have never been treated so unfairly and with such little respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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. also states I have the right to privacy. 

Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX XXXX acct XXXX XXXX, Account name : XXXX acct # XXXX Account name : XXXX XXXX acct # XXXX Account name XXXX XXXX XXXX acct # XXXX Account name : XXXX acct # XXXX Account name XXXX XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX has violated my rights. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TSI/XXXX IS TRANSWORLD SYSTEM INC ON MY CREDIT REPORT AS BEING OPEN FOUR MONTHS AGO.AND UPDATED XXXX XXXX. NEVER HEARD OF THE AGENCY NOR HAVE I EVER BEEN CONTACTED, VIA PRIORITY MAIL, EMAIL, PHONE, AND NO LEGAL DOCUMENTS. NOTHING SHOWING ANY SIGNATURES AS PROOF.ALL INFORMATION IS INACCURATE INFORMATION. BEEN OVER 60 THIS COMPANY HAS NOT PROVIDED ANYTHING TO PROOF THE THAT THE AMOUNT LOAN OF {$14000.00} IS MINDS. JUST HARASSMENT CALLS DAILY, ASKING TO VERIFY MY IDENTITY AND PHONE NUMBER, ADDRESS, ETC. THEY MIGHT BE A LEGITIMATE COMPANY WHO ARENT FOLLOWING THE RULES, JUST THEM REPORTS TO CREDIT REPORTS. NO ACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-11 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Unauthorized Collection Account Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing to formally dispute the collection account from XXXX XXXX ( Account Number : XXXX, reported under XXXX XXXX XXXX, which appears on my credit report. I did not authorize this debt, nor have I had any knowledge or business dealings with this company.

In accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to dispute this debt and request immediate validation. Furthermore, if this debt has been sold to another company or third party, I am not legally obligated to pay it, as I have no contractual obligation with any third party related to this account. 

Additionally, I did not provide any written consent for this account to be opened, nor did the company provide me with any written consent or verification of the debt. I also have not received a XXXX form, which is typically required when a debt is forgiven or sold off. The absence of these documents further supports the fact that this collection is not valid, and I request its immediate removal from my credit file. 

Please investigate this matter and provide documentation proving I authorized this debt, or remove this inaccurate collection from my credit report promptly. The inaccurate reporting of this account has negatively affected my credit score, and I expect corrective action in compliance with my rights under the law.

Kindly send written confirmation that the account has been removed from my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter.

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 2024-10-11 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: Synerprise Consulting Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Unauthorized Collection Account Account Number : XXXX Creditor : XXXX XXXX / XXXXXXXX XXXX XXXX Dear Sir or Madam, I am writing to formally dispute the collection account from XXXX XXXX ( Account Number : XXXX, reported under XXXX XXXX XXXX, which appears on my credit report. I did not authorize this debt, nor have I had any knowledge or business dealings with this company. 

In accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to dispute this debt and request immediate validation. Furthermore, if this debt has been sold to another company or third party, I am not legally obligated to pay it, as I have no contractual obligation with any third party related to this account. 

Additionally, I did not provide any written consent for this account to be opened, nor did the company provide me with any written consent or verification of the debt. I also have not received a 1099-C form, which is typically required when a debt is forgiven or sold off. The absence of these documents further supports the fact that this collection is not valid, and I request its immediate removal from my credit file. 

Please investigate this matter and provide documentation proving I authorized this debt, or remove this inaccurate collection from my credit report promptly. The inaccurate reporting of this account has negatively affected my credit score, and I expect corrective action in compliance with my rights under the law.

Kindly send written confirmation that the account has been removed from my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation