vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX I called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX inquiry date : XXXX XXXX credit acceptan inquiry date : XXXX XXXX acceptance inquiry date : XXXX XXXX. XXXX XXXX inquiry date : XXXX XXXX XXXX auto inquiry date : XXXX XXXX Portfolio inquiry date : XXXX XXXX Financial inquiry XXXX XXXX. XXXX XXXX XXXX inquiry date : XXXX Equifax - XXXX called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX credit inquiry date : XXXX XXXX XXXX inquiry date : XXXX XXXX. Ally financial inquiry date : XXXX XXXXXXXX XXXX XXXX inquiry date : XXXX XXXXXXXX XXXX XXXX  date : XXXX XXXX XXXX of XXXX inquiry date : XXXX XXXX FIN # XXXX inquiry date : XXXX XXXXXXXX XXXX  Sales ( XXXX inquiry date : XXXX XXXX FIN XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date XXXX XXXX Tree XXXX XXXX inquiry date : : XXXX XXXX XXXX BA inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX date : XXXX XXXX Store of XXXX XXXX XXXX : XXXX XXXX. Bank XXXX XXXX inquiry date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: MD

Complaint narrative:
I notice Identity Theft on my credit report and reported it right away. Having a hard time removing these incorrect reports on my 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 2024-04-18 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against VANCE & HUFFMAN LLC regarding a debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, I believe that my rights have been violated, and I request your assistance in resolving this matter. I have recently been contacted by VANCE & HUFFMAN LLC regarding an alleged debt in the amount of {$720.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to VANCE & HUFFMAN LLC or any other entity. According to 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to VANCE & HUFFMAN LLC disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. Despite my written requests, VANCE & HUFFMAN LLC has continued to contact me regarding the alleged debt, which has caused undue stress and XXXX. Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my credit score and financial standing. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against VANCE & HUFFMAN LLC for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Goldman Sachs credit card approved me for a credit card and within XXXX weeks they closed it with no warning and made me pay XXXX for charges I did not make in XXXX of this year. It was flagged for someone trying to use the card and it was not me I callled and after they literally went through lies lies and more lies and I spoke to the merchant numberous times who stated all disputes were reversed immediately once they got the dispute from Goldman Sachs who then said I the check was submitted to be mailed XX/XX/XXXX for the full amount after multiple numerous calls and then I called the next week to check and again told the same thing and just today was told the dispute is not complete no check will be mailed and no reason given. They literally have been lying to me since XXXX made me pay when I am XXXX and can't afford to pay this but was coerced because I didn't want a problem with my credit but they always won't help Remove this front the credit bureaus knowing I was a victim of identity theft twice and they literally approved then closed and stole from me and won't just tell me the truth, I am sick to my stomache and started crying when I heard this news because I would give my right arm to be able to work and these people are miserable and so ignorant on how to even communicate that it makes me sick so I'm out of XXXX and I needed depended on that money I have to get a funeral personal and I literally can't pay now and find this so unethical

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: MD

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates being reported.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove inquiries never authorized by me : XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below that were never authorized by me : XXXX XXXXXXXX vacations handle by XXXX XXXX XXXX for the amount of {$760.00} XXXX XXXX. XXXX XXXX XXXX XXXX handle by XXXX XXXX XXXX for the amount of {$2200.00} XXXX XXXX. handle by XXXX XXXX XXXX for the amount of {$3500.00} XXXX XXXX. handle by XXXX XXXX XXXX by the amount of {$1100.00} XXXX handle by XXXX XXXX for the amount of {$5300.00} XXXX FIRST ELECTRONIC BANK handle by XXXX for the amount of {$3300.00}

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 2024-04-18 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove inquiries never authorized by me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below that were never authorized by me : Affirm XXXX vacations handle by XXXX XXXX XXXX for the amount of {$760.00} XXXX XXXX. XXXX XXXX XXXX XXXX handle by XXXX XXXX XXXX for the amount of {$2200.00} XXXX XXXX. handle by XXXX XXXX XXXX for the amount of {$3500.00} XXXX XXXX. handle by XXXX XXXX XXXX by the amount of {$1100.00} XXXX handle by XXXX XXXX for the amount of {$5300.00} XXXX FIRST ELECTRONIC BANK handle by XXXX for the amount of {$3300.00}

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 2024-04-18 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: NC

Complaint narrative:
Transunion- I called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX inquiry date : XXXX XXXX credit acceptan inquiry date : XXXX XXXX acceptance inquiry date : XXXX XXXX. XXXX XXXX inquiry date : XXXX XXXX XXXX auto inquiry date : XXXX XXXXXXXX XXXX XXXXnquiry date : XXXX XXXX Financial inquiry XXXX XXXX. XXXX XXXX XXXX inquiry date : XXXX XXXX - XXXX called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX credit inquiry date : XXXX XXXX XXXX inquiry date : XXXX XXXX. Ally financial inquiry date : XXXX XXXXXXXX XXXX XXXX XXXXquiry date : XXXX XXXX Portfolio inquiry date : XXXX XXXX XXXX of XXXX inquiry date : XXXX XXXX FIN # XXXX inquiry date : XXXX XXXXXXXX XXXX  Sales ( XXXX inquiry date : XXXX XXXX FIN XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date XXXX XXXX Tree XXXX XXXX inquiry date : : XXXX XXXX XXXX XXXX XXXXnquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX date : XXXX XXXX Store of XXXX XXXX XXXX : XXXX XXXX. Bank XXXX XXXX  inquiry date : 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 2024-04-18 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: TX

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 XXXX 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 2024-04-18 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DFC Global Corp.
State: FL

Complaint narrative:
Dear XXXX, I am writing to file a complaint against XXXX & XXXX XXXX XXXX XXXX debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, I believe that my rights have been violated, and I request your assistance in resolving this matter. I have recently been contacted by XXXX XXXX XXXX XXXX regarding an alleged debt in the amount of {$720.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to XXXX XXXX XXXX XXXX or any other entity. According to 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to XXXX XXXX XXXX XXXX disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. Despite my written requests, XXXX XXXX XXXX XXXX has continued to contact me regarding the alleged debt, which has caused undue stress and anxiety. Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my XXXX XXXX and financial standing. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
- Foreclosed XX/XX/XXXX - There was an overpayment to the XXXX XXXX XXXX XXXX in the amount of {$8700.00}. 
- Attempts were made to get those funds returned to me, but to no avail beginning XX/XX/XXXX. 
- In XX/XX/XXXX I was informed the tax office sent a check to my mortgage company, PHH Mortgage/Ocwen Loan Servicing on XX/XX/XXXX. 
- I called PHH a few times in XXXX trying to get them to pay me back the overage, but no response, disconnected. 
- In XX/XX/XXXX a case was finally opened by PHH to try to locate the funds and pay them back to me. Every 2-3 weeks they call to let me know they're still working on it. Says they can't get in touch with the tax office, hands are tied. 
- I called tax office and check was never cashed. Gave me form, email to have PHH submit for reissue. They remind me to have them SIGN with a SIGNATURE, not a typed name or it won't go through. I fill out the form FOR them, in RED telling them to sign. 
-Six weeks later, they submit... but they don't sign it and change my current address where check should go to the foreclosed property address. 
- It has been six more weeks, and counting... they claim they are waiting for someone in THEIR tax office to sign the form and resubmit. It's {$8700.00}. 2 years/5 months. Unacceptable, deceptive. 
- The tax office also informed me that PHH absolutely knows how to get in touch with them because they have called/emailed many times trying to get the payment issued TO THEM ... still, while telling me their hands are tied because they can't get anyone at the tax office. 
- They are not acting in good faith and can not provide any reason why this is taking so long, so I can only surmise they are attempting to redirect the payment to themselves again or just being cruel by preventing me to gain access to the much needed funds that are legally mine. Whatever the reason, they should not be allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, Auto Dealership Named XXXX XXXX XXXX XXXX ran 11 credit inquiries without my consent. The dealerships address is XXXX XXXX XXXX XXXX XXXX, FL XXXX and their phone number is XXXX. The sales person I worked with, XXXX, said he would only perform a soft inquiry. Could these inquiries be removed from my credit report please? They lowered my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
Ive previously disputed this debt, it was removed and added again. Ive also provided all the required relevant documentation numerous times. I have included the initial complaint, in which XXXX XXXX XXXX admitted to the negligence of the fraudulent reporting, and that it would Be removed. 


XXXX XXXX XXXXconsumerfinance.govXXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Spring Oak Capital. has acquired the debt from XXXX XXXX XXXX XXXX XXXX  as the Original Creditor with out my consent and or knowledge. Also refuses to remove the Closed account from XXXX as the other 2 credit services removed directly.

Company response to consumer: Closed with explanation