vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXXXXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged CB/VICSCRT - XXXX BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 2024-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our mortgage company has failed to pay our home insurance from escrow as required. Our insurance payment is now late and if not paid soon the policy will expire. 

Not only has the mortgage company not properly addressed the issue ; they also seem to be threatening to purchase force placed insurance for us which I believe would be illegal in this circumstance. 

We received a non-pay cancellation notice from our home insurer dated XX/XX/2024 stating that our payment due on XX/XX/XXXX had not been received and that payment of {$2500.00} must be sent by XXXX XXXX or our policy will be canceled or expire. 
; Our insurance payments are supposed to come out of our escrow account and should be dispersed by the mortgage company. 

I contacted the Mortgage company on XX/XX/2024 ( the first business day after I received the notice ) first by chat to tell them about the issue. The service rep told me that he saw that my insurance was cancelled and I would have to make the insurance payment or the company may buy insurance on my behalf, possibly at a much higher cost, which I would be required to pay. I told the rep that the payment was supposed to come out of escrow. The rep told me he could not help with escrow issues and instructed me to call a phone number for help. 

I called the number and after considerable difficulty navigating menus ( none of which had an option to talk to a rep or otherwise resolve my issue ) I somehow managed to get a service rep on the phone. I told the rep my problem and she just told me some facts about my payment dates and told me that I had to pay the insurance premium or they may buy insurance on my behalf and the rates may be much higher. I told her the insurance payment is her company 's responsibility and is supposed to come out of escrow. 

This rep told me she could not deal with escrow issues and gave me instructions to transfer to someone who could help. She assured me that I would be connected to a person who could help resolve the issue and not more computer prompts. I followed her instructions and was connected to another automated phone menu. There were no options to talk to a representative or otherwise resolve the issue. I tried navigating the prompts for approximately another hour before giving up. 

I would prefer to resolve this issue with the company directly, but they show no sign that they want to resolve the issue and it must be resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
The negative rating on my account is a major source of concern. Its potential impact on my credit is deeply troubling. This issue has already led to a loan application being rejected and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until 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 2024-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. The accounts listed below are a result of identity theft. 

Identity Theft XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Identity Theft XXXX XXXX ( Original Creditor : XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$700.00} Identity Theft XXXX ( Original Creditor : XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$790.00} Identity Theft XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Mailed to Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA 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 2024-07-09 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: CITIBANK, N.A.
State: OR

Complaint narrative:
The negative rating on my account is a major source of concern. Its potential impact on my credit is deeply troubling. This issue has already led to a loan application being rejected and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until 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 non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
solar installation too expensive {$65000.00} and I was getting high electricity bills from the electricity provider XXXX. my electricity bills after solar installation were so high like {$500.00} or more. I keep asking XXXX XXXX what's going on and why I am getting so high electricity bills with solar installations NO RESPONSE till today. I am retired old lady on SSC can not afford to pay high electric bills and to solar company {$65000.00} Solar panels installation is not more than {$10000.00} XXXX {$15000.00} and No one from XXXX XXXX XXXX XXXX XXXX XXXX ever solve problem? 
But threatening me by sending bills over {$1300.00} now and XXXX XXXX keeps sending and solar panels disconnected since 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 non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inaccurate credit reports are causing me a lot of stress and uncertainty about my ability to use credit for essential purchases.

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 2024-07-09 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 non-monetary relief
Consumer complaint received 2024-07-09 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: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
Online Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$950.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that Online Information Services and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt Online Information Services claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to Online Information Services for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what Online Information Services claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount Online Information Services claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which Online Information Services is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. 

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account.

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship Online Information Services has with XXXX, and advise how Online Information Services and XXXX gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my consumer report. The alleged collection account is not mine. 

Inaccurate information : Collections ONLINE INFORMATION S XXXX XXXX XXXX940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
The negative rating on my account is a major source of concern. Its potential impact on my credit is deeply troubling. This issue has already led to a loan application being rejected and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until 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 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
See attached documentation. I have reached out to Portfolio Recovery Associates via email on XX/XX/year> and XXXX, 2024 and have not received a response. It is clear that Portfolio Recovery has assumed the role of holder in due course. I do believe this is a misrepresentation of the account as Portfolio Recovery Associates has not responded at all. I am also requiring clear documentation of Portfolio Recovery Associates legal title. The Fair Debt Collection Practices Act defines a debt collector as only private people, not an agent on behalf of anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
XXXX previous case USAA stated that when the account owner added me as an authorized user, I can not opt out of credit reporting. they agreed to stop future reporting once I was removed. I was removed and the transaction was removed from experian, but is STILL reporting to XXXX and XXXX as of the XX/XX/2024 credit report. I want the tradline removed from those two reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: PR

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX FIRST XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

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 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 2024-07-09 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 in months that are reported late 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. 


XXXX XXXX, XXXX XXXXXXXX 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 non-monetary relief