vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: CO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I found a person named " XXXX XXXX '' on a XXXX group for subletting in LA. I wanted to rent a place for the duration of my XXXX. A fake company pretending to be XXXX XXXX emailed me from the email id : " XXXX '' with a finalized lease and the payment information. I did a XXXX transfer to the person they claimed was the owner of the place : XXXX XXXX. The email ID for that XXXX was : XXXX. Later, they started asking for more money which is when I realized that this is a scam. 
The phone number that was texting me is : XXXX XXXX and another email ID I received for the owner is XXXX. I also received a picture of the owner 's DL but I suspect it is a fake. The details are : XXXX. XXXX : XX/XX/1991. Address : XXXX XXXX XXXX, XXXX XXXX, CA 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 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
This is such an unbelievably simple situation that I am flabbergasted that I've had to file a CFPB complaint after 5 calendar days of trying to get the most basic information. 


XX/XX/year> - I sent an email stating that I received an email from Rocket Mortgage saying that there are delinquent taxes, I ask for a copy of the letter with the information or information about what agency is stating there are delinquent taxes XX/XX/year> - Receive email from a representative named " XXXX '', this is clearly a chatbot and provides zero information about the letter that Rocket Mortgage claims to have sent XX/XX/year> - XXXX respond asking for a copy of the letter XX/XX/year> - I get a response saying they " have uploaded a copy of the Delinquent Tax Notice for your review under the Documents tab '' I check and it is naturally not there. I immediately respond with a screenshot showing that this document does not exist. 
XX/XX/year> - No response from Rocket Mortgage, to date no letter has been received by mail either XX/XX/year> - Double check documents tab again, still not there. 
XX/XX/year> - File a CFPB complaint because this is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: SC

Complaint narrative:
I ATTENDED A XXXXXXXX XXXX XXXX  WHERE MY WALLET WAS STOLEN. I MADE A POLICE REPORT WITH THE ON DUTY POLICE OFFICER AND WAS TOLD TO MONITOR MY PERSONAL INFORMATION MOVING FORWARD. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH.. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 AND XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY 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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

IC SYSTEM - 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 2024-04-17 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, funds ( {$41000.00} ) were transferred from my line of credit into my checking account ( which had {$24000.00} ), and then $ {$61000.00} was transferred out via ACH transfers. I tried to stop it via an online conversation with the Key Bank representative and then later in the local branch itself. They said that they did stop it, but it did not happen. I then worked with the local branch manager who later had it transferred to Fraud. After a month, they then transferred to the XXXX XXXX in XXXX to investigate the fraud. Since then, I have not heard a drop of information. I've been asking, writing and calling about information, but have been told nothing- Case # XXXX. I have been told that they would respond by USPS mail. which has not happened. I filed a report with the XXXX Police, and they have been stymied. They refused to cooperate with the XXXX. It has been 4 months with ZERO response from KeyBank. I even have a response from XXXX XXXX, XXXX of XXXX XXXX  from XXXX which has responded with zero response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
I am writing to express my profound dissatisfaction and concern regarding the recent adjustment made to the interest rate on my XXXX mortgage loan by PennyMac Mortgage Company. It has come to my attention that the interest rate has been increased substantially, effectively cheating me out of the original lower rate that was agreed upon at the time of the loan origination. 

As a veteran, I rely on the benefits afforded to me through the XXXX mortgage program to secure stable and affordable housing. When I initially entered into the mortgage agreement with your company, the terms clearly outlined a specific interest rate that was in line with market standards and my financial capabilities. Now, PennyMac has cheated me out of that original interest rate, significantly impacting my monthly mortgage payments and overall financial well-being. They are literally cheating Veterans out of their lower interest rates in order to line the pockets of their investors and stock holders with no regards to the strife and undue stress they are submitting Veterans and their families to across the United States. I believe XXXX needs to be investigated along with the Department of Veterans Affairs for putting America 's Veterans through this! Making me sign a financial document when they knew the Department of Veterans Affairs was working on a remedy to this horrible situation they put us in without any financial or legal counsel is paramount to fraud, on the highest degree. I was made to sign a mortgage adjustment document under duress when the PennyMac nor the Department of Veterans Affairs would return my calls in a timely manner. So signing was done under duress at a time of high emotional and financial stress since I have been unemployed since XXXX XXXX, 2023. This sudden and unjustified adjustment to my interest rate not only undermines the trust and transparency expected from a reputable mortgage provider but also places an undue burden on me as a homeowner. I firmly believe that this action constitutes a breach of our contractual agreement and represents a blatant disregard for the rights and interests of your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I closed out my account with XXXX fulfilled all obligations. There was a {$59.00} charge for some odd reason so I went to the XXXX  store in XXXX XXXX FL and spoke with a rep who I handed the equipment to. She made a call and they concluded that I didn't owe any money, that my account had been XXXX out. 

I had never heard from XXXX after that but about a month or so ago some random collection company was claiming I owed them {$59.00} for an outstanding XXXX bill. I told them the same thing, that my account was XXXX out by a XXXX associate at that specific store and they were saying that they only know what they have. 

I contacted XXXX again, and again they confirmed I had no outstanding debt so now I'm questioning if that was a scam company trying to get my credit card info. 

Today, I see on my credit report a collection notice which has harmed my credit score. 

This seems criminal to me but I reach out to the CFPB to help me with this issue. 

Kind regards and respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like Equifax, XXXX, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to Equifax, XXXX, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

Equifax, XXXX, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that Equifax, XXXX, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
After reviewing my Experian credit report, I can see information that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachment below

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 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Saturday XX/XX/2024 at approximately XXXX XXXX I attempted to deposit {$1300.00} cash ( cash XXXX XXXX XXXX XXXX  ) in the ATM inside the PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. This is something I have done many times in the past without issue, this evening however, the machine took my cash and provided a vague error without printing a receipt or anything else. I have since attempted to contact the bank to get the cash back or to be made whole in my checking account and I do not feel that I am being treated seriously enough given the issue at hand and the fact that I desperately need this {$1300.00} to pay my bills and eat for the rest of the month. I could really use some assistance in being made whole as this issue lies with the bank, my hard earned money has essentially been basically stolen by a financial institution with little to no consequences and has caused a lot of hardship on my part. 

Thanks in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
I noticed unauthorized and fraudulent inquiries on my credit report. 
I did not give consent to these inquiries. I did not sign any legal documents. 
According to the FCRA ( 15 U.S.C 1681 B ), LEGALLY these items must be REMOVED from my credit report immediately ; NOT disputed. If no action is taken place within 14-30 calendar days, I will be forced to contact my Litigation Attorney and have her reach out directly.

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 2024-04-17 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: FL

Complaint narrative:
I noticed unauthorized and fraudulent inquiries on my credit report. 
I did not give consent to these inquiries. I did not sign any legal documents. 
According to the FCRA ( 15 U.S.C 1681 B ), LEGALLY these items must be REMOVED from my credit report immediately ; NOT disputed. If no action is taken place within 14-30 calendar days, I will be forced to contact my Litigation Attorney and have her reach out directly.

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 2024-04-17 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: GA

Complaint narrative:
I recently review my credit report and notice account not reporting accurately. I had three late payments I know I paid on time cause my bank had a glicth and error that states that .My bank said I had to write all 3 credit bureaus to get them remove even though they made mistake. The consumer reporting agencies have need to report all information with complete accuracy. These accounts have not been late on payments. I have attach a copy of this report on complaint on the following dates. XXXX, XXXX, XXXX, XX/XX/2023. 
I AM REQUESITNG YOU REIVESTATGATE AND PROVIDE VERIABLE PROOF WITH RECORD SHOWING I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED PAID ON TIME IMMEDIATLY TIME

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 2024-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Someone opened up fraudulent accounts with XXXX XXXX resulting in collections for two accounts in the amounts of XXXX and XXXX reporting ad a collections on my credit report resulting in damaged to my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has come to my attention that Experian has committed trespasses on my rights by violating the FCRA by not properly reporting my personal information and refusing to report my personal information correctly. OnXX/XX/2024 I notified Experian that I was in the process of purchasing a home and my credit score was not reporting on my credit report due to not having an address associated with my name according to my realtor who pulled my credit report. Experian told me to mail in my ID and a utility bill to verify my identity even though they verified my identity by book entry of the social security number on file. Experian refused to comply with the FCRA and my oral instructions to correct my address.

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 2024-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
I purchased a brand new XXXX XXXX XXXX on XX/XX/XXXX. I spent the year converting the XXXX into a XXXX XXXX to use for XXXX XXXX purposes. The work was completed in XX/XX/XXXX and I launched my XXXX XXXX. 

On XX/XX/XXXX the Mercedes XXXX I purchased broke down on XXXX XXXX and was sent in for recall ( Here are more details on the recall - https : XXXX ) - Mercedes knowingly sold the vehicle to me with this critical part missing. Once returned, the vehicle was damaged and needed to be repaired for a total of {$770.00}. In addition, I XXXX XXXX XXXXXXXX XXXX due to the XXXX being held at the Mercedes dealership awaiting a part to arrive for XXXX months The total amount of lost income is {$5900.00} due to me being forced to cancel her XXXX, XXXX, and XXXX bookings, which caused extreme XXXX XXXX. 

Additionally, I am requesting a credit to her financing account for the XXXX months she paid while the XXXX was in the shop and unable to be used. These payments total {$980.00}. 

I spoke to a representative from Mercedes Benz  XXXX and she agreed to reimburse me for these losses in the total amount and to date, I have not received anything. Copies of spreadsheet for income loss, and repair invoices are attached hereto for your reference. 

Demand is hereby made that Mercedes make payment of XXXX to me for damages.

Company response to consumer: Closed with explanation