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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the following inaccurate information on my credit report. The item in question are : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite my previous request for verification, the creditor has failed to provide any proof or documentation to substantiate their claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and furnishers ensure all information reported is accurate, complete, and verifiable.

According to Section 611 ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation within 30 days ( or 45 days if additional information is provided ). The burden of proof lies with the creditor to verify the accuracy of the information reported. Since the creditor has not provided sufficient evidence, I request the immediate deletion of this item from my credit report.

Failure to comply with this request is not only a violation of the FCRA but also subjects the credit bureau and the creditor to potential penalties. The FCRA provides for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees for non-compliance.

In addition, I request a detailed explanation of the investigation process and the specific evidence reviewed. If the information can not be substantiated, it must be deleted promptly as required by law.

I also request the Method of Verification ( MOV ) for how this information was verified.

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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage company is NEWREZ, I purchased new homeowner insurance because the company I was using increased my rate exorbitantly which caused my escrow to be in the negative and was going to increase my payment. The mortgage company is not showing receiving the insurance my insurance agent sent to them on XXXX and I faxed to them. I received a letter on XXXX dated XX/XX/XXXX stating because I did not have insurance, the mortgage company was going to " BUY insurance for my property '', in the letter was a number to call. I have called the number multiple times and I attempted to do XXXX chats online, but the chat bot was no help and I could not reach a real person, even though their phone options give an option to speak to a person, it continuously loops back to the main message of self servicing the loan. Their phone options also have an option to leave a message for a call back, as well as a number for a call back, I have done this many times and no one calls me. I do have insurance, and my load should not only reflect that I do, but also my escrow that is showing the negative needs to be changed to a positive. This company will not answer the phone to discuss anything, I need help in getting them to do their job.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit report an saw accounts I dont recognize

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Someone other than me added a XXXX XXXX on XX/XX/year>. I don't have XXXX XXXX and no one from there has contacted me about a past due account. XXXX  sent this to Collections with Transworld Systems Inc. I noticed that my credit score dropped from XXXX XXXX XXXX XXXX and this is how I found out about this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
My husband and I started working with XXXX XXXX back in approximately mid XX/XX/XXXX to assist with a home refinance. After speaking with XXXX, he had convinced my husband and I that he could help. I felt very confident and wanted to work with him. XXXX did explain that we could possible pull some equity out our home to pay off some debts which my husband and I really needed. XXXX went on to explain the need to pull both our credits. I did inform him initially that I have a foreclosure from XXXX and he assured me that was fine and I agreed to allow my credit reports to be pulled. 

After pulling both my husbands and I credit files, we received a call from XXXX explaining that he needs to refer US to your credit department due to scores less than XXXX. He explained that Rocket would require each of US to have a XXXX score or better. My husband and I agreed to work with your credit department. 

My husband and I began working with XXXX XXXX. We received an email from XXXX explains we would need to pay off one XXXX XXXX  XXXX credit card totally {$4100.00}. We agreed and paid. Weeks later, I was told that XXXX XXXX is at XXXX but I needed XXXX more point. Well I was instructed to pay down a balance on yet another XXXX XXXX XXXXXXXX credit card to {$3500.00} which was a total of {$560.00} in which we paid. 

My husband and I received a call from XXXX explains that our scores are exactly where they were needed and that XXXX would be in contact. 

We received a call from XXXX explaining that ours scores are good but the foreclosure on my credit would have to be 3 years old. I was infuriated! I told XXXX that Rocket suggested I pay off XXXX near {$5000.00} in debts ( that were already being paid monthly ) only to say he can not help me. 

XXXX then suggested paying off more debt or send XXXX XXXX XXXX and most recent check stubs. I sent those. Then we receive a call from XXXX stating his debt to ratio is too high and Rocket could not help. 

I am XXXX! Not only did Rocket pull my consumer credit reports at least 3 times and caused US almost {$5000.00} more dollars in debt, Rocket deceived US. 

This is considered deceptive practices and I will be filing formal complaints. Rocket had our consumer reports and failed to thoroughly investigate them before XXXX was offering a refinance that he could not provide. 

We were assured that this refinance would happen and that some equity could be obtained to clear other debts. 

This is unfair practice and I will be reporting this. Again, I did inform XXXX during my initial call with him there was a foreclosure from XX/XX/XXXX. He failed to acknowledge my concerns before pulling my consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Please be advised that I hereby dispute the validity of the above listed alleged debt in its entirety. I requested verification/validation of the alleged debt and specifically request a copy of a contract agreement signed by the alleged original creditor and all parties to any such contract provided. I also requested a copy or agreement with my wet ink signature on it, proof SOURCE RECEIVABLES is contracted and allowed to collect on this alleged debt per 15 U.S. Code 1692a ( 6 ). Also, requested was proof this alleged debt was sold to you per 15 U.S. Code 1692a ( 4 ). Section 1682G ( B ) of the FCRA states the consumer has rights to request the proof of the chain of title of ownership of any alleged debt reported on a consumers credit report. On XX/XX/XXXX this third party collection company stated in response to a CFPB XXXX that Source Receivables Management was hired by XXXX to collect on the past due balance of {$940.00} for the account ending in XXXX. This account was placed in our office on XX/XX/XXXX and we mailed validation of the debt on XX/XX/XXXX. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. PER 15 U.S Code 1692e states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This company wasnt in fact hired by T-Mobile. I fear this collection company is using illegal, unfair and abusive practices to collect on alleged debt per 15 U.S. Code 1692a/15 U.S. Code 1692f. This collection company is violating my consumer rights. On XX/XX/XXXX, I sent a letter to this collection company stating any communication with me without proper validation of this alleged debt will be considered as harassment per 15 U.S. CODE 1692d. This company reached back out to me on XX/XX/XXXX to send me only a T-mobile invoice which validates nothing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION XXXXXXXX XXXX account and the inquiry from XXXX XXXX and XXXXXXXX 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

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 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> someone fraudulently took {$150.00} off my bank account which caused my bank account to be overdraft from capital one and spend it at XXXX and I reported this to the bank they filed a claim and expedited me a new debit card and gave me temporary credit. I waited into XXXX for my claim to be denied and reopened the claim and still was denied. I reached out to XXXX also they told me that the bank was supposed to refund me my money back. I changed bank account because its been frustrating to deal with this and not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I lost my debit card XX/XX/year> and there was Fraudulent Transaction made on my Chime Checking Account and there was 5 Fraudulent Transaction Made in my account i contact Chime to dispute the transaction XX/XX/year> and chime open a dispute for me then the dispute came back Denied XX/XX/year> and no credit or anything was put back to my account and they refused to help me and get my money back and denied to re-investigate the case and I explained everything things that happen how i lost my card and my claim was denied regardless please help me with this matter please this is terrible and i lost a total amount {$66.00} And Chime Refused to help me get my money back and made and incorrect decision on this claim : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial gave me a deadline of XX/XX/XXXX to pay the balance owed to bring my car loan current and I would be able to get my car back. XX/XX/XXXX was a Friday and when I called their office was closed, even though it was not a holiday and I wasnt made aware. I called the following Monday morning and was rudely told that the deadline has passed. I asked to speak to a manager and she was very rude and condescending and she said will make a note on file and will check with legal and asked to call back next morning. I called Tuesday morning and they told me no exceptions. The car will be sold at auction and you will owe the difference. I am going through a divorce and have accounts locked up. I have been a good client of BMW for 40 years. Help, as this is a timely issue before car goes to auction.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  FINANCIAL 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 XXXX  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 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