vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: NH

Complaint narrative:
I am writing to formally request that TransUnion block and remove fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I ask that TransUnion block these items within 4 business days of receiving this dispute.

An FTC Identity Theft Affidavit has been filed to report 2 fraudulent accounts on my TransUnion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. The fraudulent items consist of the following : XXXX XXXX credit card account : Opened on XX/XX/year>, account number ending in XXXXXXXX XXXX XXXX XXXX credit card account : Opened on XX/XX/year>, account number ending in XXXX Hard Inquiry from XXXX XXXX XXXX These fraudulent accounts have led to fraudulent late payments reported on my consumer credit report. I do not recognize the aforementioned accounts, collections, late payments, or charge-offs as reported, as these items were not initiated by me. Therefore, I demand that all collection activities related to these fraudulent items cease, in accordance with my rights under the FCRA and FDCPA laws. 

To support this request, I have attached a copy of my FTC Identity Theft Affidavit, ( Criminal Complaint # XXXX ), as evidence that all accounts, collections, and hard inquiries are a direct result of identity theft and fraud. Under FCRA 605B, I request that TransUnion block these fraudulent accounts, collections, and charge-offs from my consumer credit report within 4 business days of receipt. 

Please confirm in writing that these items have been blocked, and send confirmation to me via email at 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 2024-12-04 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: TX

Complaint narrative:
I am a victim of Identity theft. I have never had business or accounts with Account name XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX or its original creditor XXXX XXXX XXXX I was not living at the address identification number XXXX after checking open dates & calling original creditors. This is hindering my way of life rite now with me trying to obtain transportation. I demand this fraud account be deleted immediately.

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 2024-12-04 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized inquiries listed on my TransUnion credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX I did not provide consent or authorization for these inquiries, and their presence on my credit report is concerning. These unauthorized inquiries are negatively impacting my credit score and financial standing. 

I have already attempted to resolve this matter by contacting TransUnion and disputing these inquiries, but I have not received a satisfactory resolution. I have attempted multiple times dating over 120 days. 

I request that the CFPB investigate this issue and ensure that the unauthorized inquiries are removed from my credit report promptly. I also request that measures be taken to prevent future unauthorized access to my credit information. 

I have been denied credit that would significantly help my families financial standing due to these errors. Loosing over {$10000.00} in loan funds due to " too many inquiries on credit file '' Thank you for your time and assistance in resolving this matter. I look forward to your response and the resolution of this issue. 

Sincerely, 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 2024-12-04 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized inquiries listed on my TransUnion credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not provide consent or authorization for these inquiries, and their presence on my credit report is concerning. These unauthorized inquiries are negatively impacting my credit score and financial standing.

I have already attempted to resolve this matter by contacting TransUnion and disputing these inquiries, but I have not received a satisfactory resolution. I have attempted multiple times dating over 120 days. 

I request that the CFPB investigate this issue and ensure that the unauthorized inquiries are removed from my credit report promptly. I also request that measures be taken to prevent future unauthorized access to my credit information. 

I have been denied credit that would significantly help my families financial standing due to these errors. Loosing over {$10000.00} in loan funds due to " too many inquiries on credit file '' Thank you for your time and assistance in resolving this matter. I look forward to your response and the resolution of this issue. 

Sincerely, 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding Sezzle 's failure to provide proof of debt for charges they claim I owe. Additionally, they have reported charges for items I never received, which has caused ongoing financial and credit issues.

This issue began when I was charged for items I purchased through Sezzle that were never delivered. Despite numerous attempts to resolve this matter with Sezzle, they have refused to provide adequate proof of debt or documentation supporting these charges.

I have attempted to dispute this matter with Sezzle directly, but they have failed to respond appropriately or take corrective action. This ongoing dispute has caused significant stress and harm to my credit report and financial standing.

I am requesting the following resolution : Sezzle must provide clear and verifiable proof of the debt they claim I owe.

Immediate removal of any related charges from my account and credit report, as these charges are for items I never received.

An investigation into their practices to ensure this does not happen to others.

I have attached all relevant documentation, including purchase records, correspondence with Sezzle, and evidence supporting my claim that the items were never delivered. 

Thank you for addressing this matter promptly. I look forward to your assistance in ensuring a fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: LA

Complaint narrative:
When checking my creditkarma I see a new collections account that I'm 100 % unfamiliar with. it is from ELEVATERECOVERY.LLC which I've never heard of, and the XXXX is full of scam reports about them. I have had XXXX mail or any form of communication from said company, it does not list an account number, shows I owe {$2200.00} that I know NOTHING about. The company shows to be based out of Texas ( I live in Louisiana ) but when searched on scam-detector.com it says its a cryptocurrency related proxy site with a private registration, address listed is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' in Arizona. Please investigate this company as it appears to be fraudulent and attacking people through their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

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 explanation
Consumer complaint received 2024-12-04 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of [ specific account name/number ] on my credit report. Under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), I demand that this information be removed permanently from my file.

This account is a direct result of a data breach that exposed my personal information and led to unauthorized activity. As a victim of such a breach, I am legally protected from bearing the consequences of fraudulent or inaccurate reporting.

Key Points of My Dispute : 1. Unlawful Reporting : Continuing to report this account violates 15 U.S.C. 1681c-2, which mandates the removal of information that is proven to be fraudulent or inaccurate.

2. Failure to Reinvestigate : If you do not resolve this matter within the 30-day period as required under 15 U.S.C. 1681i, it will be considered a breach of your legal obligations to perform a reasonable investigation.

3. Legal Liability : Be advised that knowingly reporting inaccurate or fraudulent information after receiving a formal dispute exposes your organization to civil penalties, including statutory and punitive damages under 15 U.S.C. 1681n and 1681o.

Although I do not have supporting documentation at this time, I have filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this breach and its impact on my credit. I can provide further details if necessary upon request.

I demand that this account be permanently removed and that I receive written confirmation of its removal. Failure to resolve this matter within 30 days will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the FTC, and potential legal action to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Today XXXX i received a call from my new mortgage company Mr. Cooper. No one was on the line. 

I called back and went thru the automated phone system 5 times attempting to talk to someone. I went online and used their customer support who told me " I am sorry, we only have one number for customer service : XXXX, it will require you to go through an automated system. Here are some steps that will get you to a live agent. 

Type in loan number. 
It will confirm the loan number and you will say, " yes. '' It will ask if you want to hear information, just say " skip this '' or press XXXX. 
It will tell you to pick an option. Let it talk until you hear " more options. '' Say " more options. '' It will give you the options and say " escrow. '' Let it talk. 
Say " tax account info, '' then let it talk. 
Then say " transfer me to an agent. '' It will say, " you want to speak with a representative, correct? '' Say " yes. '' Then it will ask to allow it a moment to connect you. You will then be place into the que. 
The key is to let it talk and not interrupt it. '' This does not work. They being purposefully deceitful in order to not receive phone calls. Even though they are dialing their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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.
State: LA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
My account was frozen due to a deposit for a business transaction which a customer supposedly came back later to deny. I called to inquire and was spoken to very rudely. It has been XXXX weeks now and I would like for my account to be unfrozen or my account to be closed and a check mailed to me for the balance of my account. There has never been any evidence of fraudulent activity on my account and I would like my funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.

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 2024-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
the reporting of account XXXX XXXXXXXX by Westlake Financial Services on my credit report. I believe the reporting violates the Fair Credit Reporting Act ( FCRA ) due to the following issues : Account Status Inconsistencies : The account is marked as " charged off, '' but it still reflects a past-due balance of {$7600.00}. Under accurate credit reporting, a charged-off account should not simultaneously carry a past-due balance. 
Date Discrepancies : The " status updated '' date ( XX/XX/XXXX ) conflicts with the account 's charge-off date in XX/XX/XXXX, creating misleading and inaccurate reporting. 
Balance Inconsistencies : The balance reported ( {$7600.00} ) does not align with charge-off reporting standards. If the account was charged off and/or sold, the balance should reflect {$0.00}.

Payment History and Last Payment Date : The last payment date is noted as XX/XX/XXXX, yet this conflicts with the reported status and balance details. 
These errors have caused confusion and potential harm to my credit profile, violating my rights under the FCRA, particularly 605 ( a ), 609 ( a ) ( 1 ), and 611 ( a ) ( 1 ) ( A ).

I kindly request the following actions : Conduct a thorough investigation of the disputed account.

Provide documentation validating the accuracy of all reported details. 
Remove or correct any information that can not be substantiated as accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: NJ

Complaint narrative:
I received a call from XXXX XXXX a few weeks ago saying I owed a payday loan debt from XXXX XXXX  XXXX told him I did not recall that company and he said I did because they have my information, I said can you verify because it doesn't ring a bell. He told me that he can not verify a debt all he can do is send me a paid receipt once its paid and they are offering 50 % settle. I said no I don't know what this is from XXXX He was not nice he spoke very fast about further action and hung up on me. Today I received a text message from Unifin ( XXXX ) - I signed into the account to see what it was ( it said debt collector ) it came up I think XXXX XXXX XXXX XXXX  and that I owe XXXX from XXXX Which is what the first man I think was talking about. I don't know what this is and the man said they don't send validation. I think it may be a scam. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
It is unacceptable that my credit report continues to show accounts that are not mine, dragging down my credit score and credibility. Despite numerous complaints, I have yet to see any action

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