vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
Prior to and on XX/XX/year> then afterward I would received numerous threatening calls from Cavalry SPV I LLC by someone claiming to be them from unknown numbers. I was finally able to hear the individual person claiming to be from Cavalry on XX/XX/year> in which I had to look up their address myself. I then sent off a debt validation letter to their address on the same day, but I never received a response back but only to continue to receives those unwanted threatening calls to the point I lost the count. On XX/XX/year> I had discovered that there was a lawsuit that was filed against me on XX/XX/year> with the State of Maryland case number XXXX in which they had 30 days to responses to my request but they did not but less than 30 days hired a lawyer by the name of XXXX XXXX XXXX to act on their behalf without any acknowledgement of my letter that was less than my 30 days.. So on XX/XX/year> I filed with the court a XXXX ( Motion to Remove ) asking for a Dismissal With Prejudice plus I am mailing off to both of them a copy of my request on XX/XX/year> a copy of my request that has the court doing an acknowledgement. Their addresses are XXXX XXXXXXXX XXXX XXXX XXXX XXXX CT XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: DE

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently 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 non-monetary relief
Consumer complaint received 2024-11-02 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: DE

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Synovus Bank
State: IN

Complaint narrative:
UNKNOWN INQUIRY SYNV/XXXX  XXXX XX/XX/year> XXXX *FRAUDULENT CREDIT INQUIRY* AFFIDAVIT OF FRAUDULENT REPORTING CREDIT REPORT DISPUTE FORM CERTIFICATE OF FCRA VIOLATION FINE DIRECT DEPOSIT INFORMATION FIFTH THIRD IDENTITY ALERT CREDIT INQUIRY # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding harassment by a collection agency, which has been pursuing me for a debt that is not mine. Despite my attempts to resolve the situation directly with the collection agency, they continue to contact me and attempt to collect the alleged debt, which I do not owe. I have never incurred this debt, nor do I have any record of this obligation. I have requested documentation to verify the debt, but the agency has failed to provide any valid evidence linking me to this account. 
Despite my efforts to dispute the debt and request that the collection activities cease, the agency continues to harass me through phone calls and letters causing significant stress and frustration. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment and requires agencies to cease contact upon dispute of the debt. I have informed the agency in writing that I do not owe the debt and have requested validation as per my rights under the FDCPA, but they have not complied with my request. I kindly request the CFPB to investigate this matter and take the appropriate action to ensure that this third-party collection agency ceases all harassment. I am also requesting that this false debt be removed from any reports or records associated with my name. I trust that the CFPB will assist me in resolving this matter and prevent further unlawful actions by this collection agency. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please view attached as there is information on my report that does not look right. Please verify the reporting of these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-11-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: NY

Complaint narrative:
XXXX finance companies denied my application on XX/XX/year>. one being XXXX XXXX. 
this cost be XXXX hard inquiry on my credit and {$25000.00} dollars. 

the letter i received from XXXX XXXX  states a credit score of XXXX. 
they used trans union for the credit information. 

I have called TransUnion, requested what information TransUnion provided to the inquiry from XXXX XXXX, specifically what credit score as well ; they could not. 
i asked them for the reason my XXXX score fluctuated XXXX points from XXXX to XXXX, they could not. 
i asked for them to review with my how they derived my score, they could not. 

there is little insight as to how i was denied the financing. 
when discuss the matter i expressed i would like to file a complaint with a Transunion supervisor in conjunction with filing with the CFPB, they hung up on me after this request ; i was on the phone for an hour at that 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 explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
The XXXX of XXXX i sent money to pay my MORTGAGE I sent XXXX payments in different transactions anyways WESTERN UNION decided to declare that we're suspicious and after XXXX days they haven't sent or return the money and I got an eviction alert if I don't pay!!! 

XXXX XXXX XXXX case number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also according to 15 USC 1681s-2, they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX Wilmington Savings Fund Society FSB XXXX foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  c/o XXXX Department In XXXX : Shellpoint Servicer/division of XXXX Loan No. XXXX Dear Lender : This demand is a formal notification pursuant to my documented call and the direction of XXXX, division of XXXX servicing this loan to notify the lender as to the predatory lending, imposed on this lending terms that were unfair and abusive. Also, the lender failed to disclose information or disclosed false information, high interest rates or fees and risk based pricing. The above loan terms and conditions are in dispute for the following : The above loan commenced on or about XX/XX/XXXX. The interest rate was initially set at XXXX % on the good faith estimate, which is attached for your perusal ( hereinafter as Exhibit A ). This rate was rescinded because the property was determined to be a condotel. Since this property was deemed a condotel, this rate increased to 7.3750 %. We have recently discovered and ascertained information that our property should not have been recognized as a XXXX as our XXXX maintains the allowable percentage to not be considered a condotel ( hereinafter attached as Exhibit B ). 

Since conception of the loan, we faithfully paid the amount each and every month. Due to the most recent occurrences of the hurricane XXXX and XXXX that hit XXXX, we have become XXXX of those being faced with catastrophic damages to our dwelling. We are hopeful that the insurance will make us whole as we request for the deferment at least for XXXX months. 

We are demanding the lender adjust the rate to where it should have been as quoted on the good faith estimate ( see Exhibit A ) back to the date of commencement of the loan which is on or about XX/XX/XXXX. 

This matter is of urgency, as such we are requesting an immediate reply on or before XX/XX/XXXX before pursuing CFPB and filing an injunction. Thank you for your consideration and your prompt attention is required. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and first class mail ( w/encl )

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 2024-11-02 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Request for deletion of outdated Personal Information To Whom It May Concern, I am writing to request the removal of outdated personal information from my credit report. I have noticed that some of the names, addresses, employment, spouse and phone numbers listed on my report are no longer accurate, as I have updated my contact details. 

Please delete the following outdated information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete all others. 

XXXX. I am not a XXXX XXXX. Please delete. I never had a company nor worked for XXXX XXXX XXXX. 
I currently work for XXXX XXXX XXXX XXXXXXXX XXXX as a XXXX XXXXXXXX 
Address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. I never have been in connection with a person named XXXX. I do not have a spouse named XXXX. Please delete. 

XXXX. My correct name is XXXX XXXX XXXX. Please delete all others. 

Please update my information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: WI

Complaint narrative:
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding Chase Banks failure to release a lien on my vehicle, which was fully paid off in XX/XX/year>. Despite repeated requests to Chase Bank, they have not taken the necessary steps to release the lien, preventing me from obtaining the vehicles title and causing significant financial hardship. 

Background : XXXX XXXX : I had an auto loan with Chase Bank, with loan number XXXX, which was fully paid off on XX/XX/year>. 
Chase Complaint Reference : I have submitted a complaint to Chase regarding this issue, under complaint number XXXX. 
Lien Issue : Since the loan has been paid in full, Chase Bank should have released the lien on the vehicle, but they have not done so.

Issues Arising from the Lien : 1. Inability to Sell the Vehicle : Due to the lack of title and the unresolved lien, I am unable to sell
my vehicle, which has prevented me from capitalizing on its value.

2. Insurance Costs : I am continuing to incur expenses by paying for car insurance on this vehicle, as I am legally obligated to do so as long as I hold ownership.

3. Additional Financial Hardship : The inability to sell the vehicle has led to additional financial stress, as I am deprived of funds that could be available to me.

Actions Taken : I have contacted Chase Bank multiple times to resolve this issue, but they have failed to provide a solution or confirm when the lien will be released.

Request for Resolution : I am requesting that Chase Bank immediately take the necessary steps to release the lien on my vehicle so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
I am contacting you to request the blocking and deletion of several accounts appearing on my credit report, as I am a victim of a data breach that has compromised my personal information.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of any fraudulent accounts or inquiries associated with my identity. 
Accounts and Inquiries to Be Blocked and Deleted : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: NJ

Complaint narrative:
Ive disputed these same items with this agency before but they are not complying with the FCRA

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 2024-11-02 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:
Please view attached as there is information on my report that does not look right. Please verify the reporting of these items

Company response to consumer: Closed with explanation