vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute Regarding Re-insertion of Previously Deleted Accounts on Credit Report To Whom It May Concern, I am writing to formally dispute the re-insertion of previously deleted accounts on my credit report. These accounts were appropriately removed following prior disputes and should not have been placed back onto my report. The re-insertion of these accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ), consumer protection laws, and federal regulations governing credit reporting practices.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), the FCRA prohibits the re-insertion of previously deleted information unless the creditor provides certified evidence verifying the accuracy of the information. Furthermore, Equifax is required to notify me within five business days of any such re-insertion, as outlined in the same section. To date, I have not received any such notification, nor have I been provided with certified evidence substantiating the accuracy of these accounts.

This failure to comply with the FCRAs procedural requirements jeopardizes the accuracy and integrity of my credit report and undermines my rights as a consumer under federal law. I demand the immediate removal of the re-inserted accounts and request the following actions to resolve this matter : Immediate and Permanent Deletion of Re-Inserted Accounts : Remove all accounts that were previously deleted from my credit report and ensure they are not re-inserted without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Provision of Certified Documentation : If Equifax claims the accounts were properly re-inserted, provide certified documentation from the data furnishers verifying the accuracy of the accounts, as required by federal law.

Written Confirmation : Provide written confirmation that the accounts have been removed, along with an assurance that no further re-insertion will occur without adherence to all FCRA requirements.

Failure to address this issue promptly and in compliance with federal law will leave me no choice but to escalate this matter. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for FCRA violations.

Thank you for your immediate attention to this matter. I look forward to your response and resolution within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$360000.00} Late/Open XXXX XXXX  XXXX XX/XX/XXXX Balance : {$910000.00} Late/Open XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$650000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : {$670000.00} Late/Open XXXX XXXX XXXX  XXXX XX/XX/XXXX Balance XXXX {$90000.00} Late/Open

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 2024-12-16 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: LA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and have identified fraudulent activity on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all of the following accounts and inquiries be blocked and deleted from my credit report : Accounts to be blocked and deleted : 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 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 XXXXXX/XX/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 2024-12-16 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: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my lawfully leveraged consumer complaint. I have retained a record of your receipt and proof, as well as a time-stamped copy of my credit reports, showing that you have violated the Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Debt Collection Codes Act Section 807 ( 8 ), the mandatory Metro 2 formatted reporting standard ( s ) of compliance, and others, by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is undeniably not certified compliantly, not provable as accurate, and is plainly inaccurate and incomplete, representing a serious error in your reporting. Regardless of the reason, the claim disregards my consumer rights and your obligation for perfect, provable, compliant reporting of only correct, timely, verified, valid claims, even regarding the adverse consistency and legitimacy required under the Metro 2 format and reporting standards.

YOU MUST ERADICATE the claim ( s ) of any delinquency or derogatoriness that is questionable in this case. Delete the following immediately : CREDITOR NAME : XXXX/CROSSCOUNTRY MORTGA INQUIRY DATE : XX/XX/year> Inquiries : XXXX Creditor Name XXXX Date of Inquiry XXXX/CROSSCOUNTRY MORTGA - XX/XX/year> ( XXXX ) Explanation : XXXX/CROSSCOUNTRY MORTGA, asserted on XX/XX/year>, is an unconfirmed inquiry, not yet proven to be with the necessary adequate and urgent achieved lawful Permissible Purpose. Additionally, it is not compliant with the Metro 2 standard as currently reported.

Please BLOCK from reporting immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax credit reporting agency XXXX XXXX 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 a Collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,. These accounts haveresulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$360000.00} Late/Open XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : {$910000.00} Late/Open XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$650000.00} Late/Open XXXX XXXXXXXX XX/XX/XXXX Balance : {$670000.00} Late/Open

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 2024-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the recent reporting of a late payment on my credit report by PennyMac. I took proactive steps to avoid negative credit reporting by contacting your office to set up a payment plan. On XX/XX/year>, I made a payment of {$500.00} towards my mortgage payment which is {$2600.00} a month. I was advised to continue making my monthly mortgage payments on time, along with an additional {$700.00} per month, to catch up on XXXX payment. I was informed that I had until the end of XXXX to complete this arrangement and that adhering to the plan would resolve the issue. 

Despite following this agreement, I received an update last week indicating a late payment on my credit report, which significantly impacted my credit score. When I contacted PennyMac for clarification, I was spoken to in a condescending manner and told that negative credit reporting could not be removed. I was not made aware during my initial conversation that setting up this payment plan would still result in a negative credit report. Had I known, I would have explored other options, such as taking out a small personal loan, to preserve my credit standing. 

I am a responsible individual who prioritizes paying bills on time. Unfortunately, I encountered an unexpected medical situation requiring XXXX, which temporarily impacted my ability to meet my obligations. I have consistently demonstrated financial responsibility, and I am currently working XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I respectfully request that PennyMac contact the credit bureaus to remove the negative remark from my credit report, given the circumstances and my proactive efforts to resolve the issue. Furthermore, XXXX payment is on track to be fully paid by the end of XXXX, well ahead of the XXXX deadline. I also made another payment of {$1700.00} on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I had a loan and I missed a payment because I didnt have any money. So its defaulted but when I try to make a payment or refinance the loan this message pops up. Your account has a pending ACH payment that has not posted. To continue and make an additional payment please contact customer service at XXXX. I wonder if they closed the account out from missed payments. Saturday XXXX is when I seen it, I sent an email inquiring about my problem, XX/XX/XXXX that same Saturday at XXXX and its now Monday the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
I am writing to formally request that you block and delete the accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported in my name without my authorization. 
The fraudulent accounts are as follows : Accounts : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request that you block and delete the accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported in my name without my authorization. 
The fraudulent accounts are as follows : Accounts : 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 2024-12-16 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Dispute of Unauthorized Credit Inquiry CB Indigo Company Name : CB Indigo Date of Inquiry : XX/XX/year> I am writing to dispute a hard credit inquiry on my credit report made by CB Indigo on XX/XX/year>, in connection with my application for an IndigoMastercard account. According to CB Indigos website, there should be no impact to my credit if my application is not approved. However, despite my application being denied, the inquiry remains on my credit report and is negatively affecting my credit score. This is very misleading! 

Under the Fair Credit Reporting Act ( FCRA ), credit inquiries must be made for permissible purposes ( 15 U.S.C. 1681b ). As the application was denied, I believe this inquiry was not conducted in compliance with the FCRA. 

I request that this hard inquiry be removed from my credit report, as I do not believe it was made for a legitimate credit transaction and should not be there. 

In addition to the removal of the inquiry, I am seeking monetary relief for the financial harm caused by this unauthorized inquiry. Under the FCRA, consumers are entitled to actual damages, including any out-of-pocket expenses or loss caused by improper access to their credit information ( 15 U.S.C. 1681n ). The inquiry has caused significant damage to my credit score, resulting in denials on loans and credit applications that I have applied for since then. This has directly led to additional financial costs, and I am requesting compensation for these damages. 

Supporting Details : Company Name : CB Indigo Inquiry Date : XX/XX/year> Consumer Name : XXXX XXXX Please investigate this matter, assist with removing the inquiry from my credit report, and provide appropriate monetary relief for the harm caused under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Finance This is a Privacy Violation FCRA. Plz remove XX/XX/2024 LATE payments under 15 USC 1666b Improper use of credit report. Creditor may not treat a payment on credit account under end consumer credit plan as late for purpose of reporting. 

By the provisions of the Fair Credit Reporting Act, this is unauthorized negative information and I demand negative items be removed from my report. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX fraudelty deceiving reversal to use my money into principle and interest to deliberately sabotage my credit. She has been embezzling money out my account and petray reversal

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
To start off. this account was not opened or authorized to be opened by me. I attempted multiple time to resolve this issue directly with the company, but it is impossible to get in touch with them. I attempted to call and email them multiple times and no response. I attempted to dispute and file a complaint directly with credit bureaus and CFPB but the creditor refused to fix this. I really need this account off my credit report and felt like i had no other option than to pay the amount. I contacted them and through their unreliable phone number, the automated system gave directions to contact Indebted for payoffs or settlements. I called and informed me that i was eligible for a settlement payment and once I paid it, it would requested to be deleted from all three bureaus. They called it a " promise to delete ''. So i paid the settlement amount they had informed me about and informed me i would receive a receipt showing the account was paid and that they would let Possible Financial know that it has been paid and they can clear the account and request for deletion on my credit reports. I have emailed Possible financial requesting updates and all they tell me is that the account still shows as it has not been paid. These people are scammers and ruin peoples life.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-16 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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