vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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 writing to formally notify you that I am a victim of a data breach, which has resulted in 
unauthorized accounts and inquiries being added to my credit report. Pursuant to 15 USC 1681c2(a) and the Fair Credit Reporting Act (FCRA)  605(b), I am requesting the immediate blocking 
and deletion of the following accounts and inquiries:
Accounts:
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act Section 605B. I have the right to request that the credit reporting agencies block and removed all accounts that was the result of identity theft. Due to the Data Breach, my information was use to open FRAUDULENT ACCOUNTS. 
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 XXXXXXXX. 
I request that these accounts listed above be 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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Velocity Investments has already petitioned me. I responded and have been trying to resolve the matter via regular mail, certified mail, email, and numerous phone calls. 
They responded with the amount and the payments but failed to correct the amount owed after the payments and are trying to still collect on the original loan. 
I talked to a person today after XXXX attempts in XXXX ( with detailed messages ) trying to come to a settlement. Today, I was transferred to a supervisor and went right to voice mail. 
The company has a horrid reputation on the web. The debt is not their original debt. the bank is XXXX in Utah, whom is being investigated by FDIC I found. 
The constant lack of manpower or tactics is pushing people to their limits unnecessarily and I have a bench trial in 7 days for this debt. 

I have been agressively proactive in trying to resolve the matter with payment plans and they are rarely available and when I finally was able to speak with someone today, she stated I am not correct, etc. when even their documents show my payments and the original amount. 
Please help. With upcoming student loan payments, this is already pushed my credit score below XXXX and is not sustainable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Title : Inaccurate Reporting by XXXX XXXX XXXX on Experian Credit Report Details : I am disputing the reporting of a XXXX XXXX XXXX account ( Account Number : XXXX ) on my Experian credit report. From XX/XX/year>, to XX/XX/year>, the account was actively managed by a third-party collection agency, XXXX  XXXX XXXX  ( XXXX  ). However, XXXX XXXX XXXX reported the account as being in " collections '' during this time, which is misleading and inaccurate. 

Despite providing this information to Experian and requesting a correction, they refused to update the reporting. Experian stated that XXXX XXXX XXXX does not need to reflect XXXX  involvement, even though this omission creates an inaccurate and incomplete account history. 

This conflicts with my rights under the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting of account information. I request that the CFPB investigate the following : XXXX XXXX XXXX : Why did they fail to update the reporting to reflect XXXX involvement during the specified period? 
Experian : Why did they refuse to address the clear discrepancy in reporting?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
While trying to by gas the gas pump asked to authorize {$170.00} before starting to pump. The request was denied and another card was used. The incident was reported to Goldman Sachs credit card unit and they put a lock on my card. So, for the past 10 days Ive been asking them via XXXX or XXXX phone calls to turn the card back on and they agree it should be turned back on but, their back office is not unfreezing the card and will not respond to my requests. It seems that Goldman Sachs back office doesnt respond to their own Customer Service dept requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the third time Im sending the documents the company requires by mail. At first, my credit file stated : " No indicator on file, '' and later it changed to " Report Blocked for Promotional Purposes. '' I always receive a response saying they can not read my documents. I have asked for other ways to verify my documents, and they say this is the only way. My credit report has been blocked for more than six months, and no one is able to solve my problem. Ive already spent over {$40.00} just sending letters. I Still being unable to acces to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Offices of Timothy M. Sullivan
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on a Time-Barred Debt. Ive received correspondences from Halsted Financial Services and XXXX XXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that the account was a Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose XXXX XXXX XXXX XXXX business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am writing to formally request that the inquiries listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These inquiries were made due to unauthorized access and should not be reflected on my credit report. 
The following inquiries should be blocked and deleted from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
The mortgage received the payoff account XXXX, and right after I involved the CFPB, they said it was a mistake elapse payment and they will fix the problem It turns out the mortgage caused ( XXXX  deeds ) the problem to special master fraudulently sold the house without my consent. Under the constitutional laws and implementation regulation per said our General laws in Massachusetts states ; only and it will be legal for sale if the original owner sign an agreements with terms and condition it will be possible to passing the ownership to the new owner title deeds, otherwise is not or I cant accept the new deeds Also, the price for the sold it was devalue my property and isnt relate to the actual market value and its a huge difference or is substantial margin of the monies loss and is due of illegally malpractices and unusual cruel punishments Ill submite the reproduce the new fraud deeds under the pages

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a Sam 's Club XXXX XXXX XXXX ending in XXXX for several years. This card was issued by Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX and can be contacted by phone at XXXX. I have always paid my statement on time and in full ; however my XXXX statement was {$1.00} short due to a key punch error on my online payment. I called when my next statement appeared in my email with a {$2.00} fee charge and a {$3.00} interest charge. That is when I was told I had paid my statement {$1.00} short. They refused to credit my account. A couple of months prior to this I switched from paper statement to paperless ( online ) to avoid a {$1.00} monthly paper statement fee. I received another online statement this month with additional {$2.00} charge even though I did not purchase anything on this card. I cancelled the card on XX/XX/year> and told the person this charge was excessive and they refused to offer credit to my account. I was refused credit or any consideration by XXXX different people.As a XXXX XXXX XXXX XXXX XXXX I feel this kind of business practice is ripping off the American Consumer and wonder how many times this happens. Please look into this matter. Thanks for all consideration and effort.

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 2024-12-30 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:
XX/XX/year> XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXX account XXXX XXXX XXXX XXXX XXXX ALSO DELETED BY XXXX NOT VERIFIED ) I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt because I believe you have me confused with a different person. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Pennsylvania.

Because I am writing to you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
Discovering inaccurate accounts on my credit report has been an absolute shock, especially knowing how much theyve damaged my credit score. Its frustrating to think that Ive been declined opportunities because of something that doesnt even belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
Recently I received copy of my credit report and noticed that there's a collection account reporting that doesn't belong to me nor provided the proper verification. I then reached out to the creditor that's reporting the alleged debt and asked them to send me all verification documents which includes signed agreements and contracts between us. They failed to provide me with any verification documents but yet still continue to report the account. I am aware that the credit reporting agencies must furnish only accurate and verifiable information in which the information listed in my dispute letter includes accounts that are inaccurate. The creditors listed in my dispute letter never had my consent to purchase my personal information nor share it with anyone besides me. How can I owe a debt if there was never an agreement set in place between me and the creditors listed in my dispute? The credit reporting agencies that are furnishing this information didn't properly vet these creditors reporting these accounts nor can they provide me with any documents. Violations committed by the credit reporting agency and creditor reporting this information : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I am a real estate broker representing the buyer in a transaction where the buyer is wanting to assume the seller 's VA loan. The process was initiated with Amerisave on XX/XX/XXXX and the original close of escrow was XX/XX/XXXX. The lender is not providing updates in a timely manner. The latest we heard ( a week ago ) was that they were internally trying to reverse a denial based on incorrect disclosure dates ( an internally caused problem due to their extremely slow response to things ) and had it for review by a VP, but again, have not heard from them about any updates to that. They have not provided any way for us to appeal this decision, either. These buyers are more than qualified to assume this mortgage and the extremely slow response times are causing issues for not only my buyers, but also for the VA seller who all want this transaction to be closed ASAP.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My personal and business bank accounts and XXXX XXXX credit card were cancelled without notice. I have called and written asking for an explanation of the reason for the closure. They have not provided any reason, just simply the attached form letters. Their actions have caused my great inconvenience and cost, including the loss of award points and interest charges on the XXXX card. As a 20 year+ customer, I feel that XXXX owes me an explanation for their wrongful actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
On my XXXX XXXX I noticed four inquiries around the same time that I did not authorize. I believe my ex partner used my information. I would like these inquiries deleted as I did not process them and not looking to inquire about purchasing any vehicles or loans 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

Company response to consumer: Closed with explanation