vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: DE

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of the ongoing violations concerning my credit report. Your continued failure to address my disputes is a direct violation of federal law, specifically 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), regarding furnishing reports in connection with transactions not initiated by the consumer. 

In my previous correspondences, I highlighted unauthorized inquiries that remain unresolved. This failure to act places your agency in willful non-compliance with the Fair Credit Reporting Act ( FCRA ). 

For the following items, you are instructed to act in full compliance with the law :

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 2024-10-28 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: TN

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This Cfbp complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Your agency has placed a collection entry on my credit file without prior notice, and I dispute the accuracy of this claimed debt. As per the Fair Debt Collection Practices Act, I formally demand immediate validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
Unauthorized inquiries attach to letter in mail reference and email

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 2024-10-28 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: GA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to report that I am a victim of fraud, and I have discovered that Experian, XXXX, and XXXX are reporting inaccurate information on my credit reports as a result. 
I recently learned that my personal information, including my Social Security number, has been compromised. Unauthorized individuals have opened accounts in my name. Upon reviewing my credit reports from the three major credit bureaus, I found several inaccuracies that are negatively affecting my credit score. 
The following accounts are inaccurately reported on my credit report as a result of identity theft : - XXXX XXXX XXXX : {$32000.00} - XXXX XXXX XXXX  {$14000.00} - XXXX XXXX XXXX {$25000.00} - **Department of Commerce** : {$6400.00} These accounts do not belong to me, and I have not authorized any transactions or agreements related to them. 

The presence of this false information has caused me significant distress and has impacted my ability to manage my finances. Im concerned about the long-term implications for my creditworthiness and overall financial health.

1. I have contacted each credit bureau to dispute these inaccuracies and requested a fraud alert on my accounts.

2. I filed a report with the local police department related to the fraud.

3. I am actively monitoring my accounts and reporting any unauthorized activity to my financial institutions.

I seek your assistance in correcting these errors on my credit reports and ensuring my information is accurately represented to prevent further negative impacts on my credit.

Thank you for your attention to this urgent matter. I hope to resolve this situation promptly.

-- -

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 2024-10-28 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-28 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: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
I am filing this complaint against Velocity Investments LLC regarding unsubstantiated collection attempts tied to an alleged debt with account numbers XXXX, which they claim to have acquired from XXXX XXXX XXXX . Additionally, this complaint includes XXXXXXXX XXXX XXXX XXXX XXXX, a separate collection agency involved in these attempts. Despite repeated requests, neither Velocity Investments LLC nor XXXX, XXXX XXXX XXXX XXXX, or previous collectors have provided documentation to substantiate their claim or verify the alleged debts legitimacy or validity.

For clarity, I have not acknowledged the existence, accuracy, or validity of this alleged debt and expressly deny any liability for it. I have, however, requested that these agencies provide : Documentation demonstrating Velocity Investments LLCs or XXXX XXXX XXXX XXXX XXXX  claimed ownership of the alleged debt ; A copy of any original agreement with XXXX XXXX XXXX  purportedly associated with this alleged debt, which would demonstrate any obligations claimed ; and A verification of the amount they claim is owed, including a full breakdown of any fees, interest, or penalties allegedly accrued.

Despite these legally valid and reasonable requests, no such documentation has been provided by either Velocity Investments LLC or XXXX XXXX XXXX XXXX XXXX XXXX. This failure to provide verification violates the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ), both of which require debt collectors to validate a debt upon the consumers request.

I further assert that these repeated collection attempts, absent substantiation, constitute harassment and misrepresentation, resulting in unnecessary distress and confusion. Without clear documentation, I am unable to confirm or assess the legitimacy of the alleged debt, and it remains, in my view, unsubstantiated.

I respectfully request that the CFPB investigate this matter to ensure that all debt collection practices by Velocity Investments LLC and XXXX XXXX XXXX XXXX XXXX comply with federal laws. I further request that these agencies cease all collection activities concerning this alleged debt until they provide the requested documentation verifying its existence, ownership, and validity.

Thank you for your attention to this matter. I look forward to a resolution that protects my rights as a consumer under federal law.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Selene Finance LP is my mortgage servicer. I have made all my mortgage payments on time. They have not made fully payments to my home insurer, XXXX. XXXX sent me the unpaid bill of {$260.00}. They said I needed to call my mortgage servicer. I called Selene Finance on XX/XX/XXXX and let them know payment was due by XX/XX/XXXX and was eventually transferred to the insurance department. They said they would look into it and send me updates. The updates sent basically said they couldnt do anything about it and were fully automated responses. They still have not paid. 

XXXX has now cancelled my homeowners insurance and I am not covered due to nonpayment by my mortage servicer, Selene Finance. I have emailed my account representative. I am mailing a Notice of Error today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have been in contact with them several times the charge happened on XX/XX/year> and they keep telling me itll be taken care of and 3 to 7 days and it is not being taken care of. Ive called at least eight or nine times and they tell me the same thing over and over again and the charge is still on there.

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 monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OR

Complaint narrative:
XXXX XXXX was deducting {$70.00} from my bank account each month for internet service. 

In XXXX in noticed XXXX XXXX had deducted {$80.00} from my account. The service had also become unstable and unpleasant to use.

Upon further review, XXXX XXXX had deducted {$80.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, without my knowledge or permission.

I filed a dispute with Key Bank but I was still charged the amounts. Key bank didn't credit the amounts and denied my dispute.

I've filed multiple complaints regarding this issue with XXXX XXXX but they haven't address the issue. I've disconnected service with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Also it is incorrectly reporting this account as well. Its reporting as Closed, paid, and open on all 3 Credit Bureaus.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the XXXX XXXX account number XXXX on Transunion , XXXX on XXXX, XXXX on XXXX.Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-10-28 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:
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 2024-10-28 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: PA

Complaint narrative:
I was stunned to find inaccurate accounts on my credit report this afternoon, and I have no explanation for why theyre there. I regularly check my report, but this time, there were unexpected discrepancies that I couldnt overlook. I even refreshed my browser, hoping it was a mistake, but the false accounts didnt disappear. I need the documents I submitted to be checked thoroughly so I wont have to worry about this issue anymore.

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 2024-10-28 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:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
I came across an error on my credit reportan account that doesnt belong to me or contains incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: NV

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 2024-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
the creditor has refused to provide me with a XXXX for a charged-off account, account date of charge-off was XX/XX/year>, in the amount of {$2400.00}, and have attached the letter I mailed to them trying to collect the form. I am legally entitled to a 1099-C form, but they are not providing it. 
Not having the XXXX099-C is affecting my financial situation, such as preventing me from accurately reporting income on your taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
I came across an error on my credit reportan account that doesnt belong to me or contains incorrect information.

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 2024-10-28 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: WI

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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