vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : The following inquiries were not authorized by me. Please deletethem. I have never given my permission for any company to inquire aboutmy credit status. Any inquiries made are unauthorized. The presence ofthese inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed.

Transunion I have attach the ftc as well as my documents Once your investigation is complete please send me an updatedcopy of my credit report. I would appreciate the name, address, andphone number of the companies who inquired about my credit so that may follow up. 



Sincerely, 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing inaccurate bankruptcy information that is still being reported on my credit reports by Experian, XXXX, and XXXX. The incorrect information is as follows : Bankruptcy Filing Date : XX/XX/year> Bankruptcy Case Number : XXXX I have documentation from XXXX confirming that the bankruptcy information has been removed from their records, and I have also received a letter from the bankruptcy court stating that they do not report bankruptcies to credit bureaus. Despite submitting this information to the credit bureaus, they have failed to remove the inaccurate bankruptcy from my credit reports. 

This inaccurate information is negatively impacting my credit score and causing ongoing financial harm. I request that the CFPB investigate this matter and help facilitate the removal of the inaccurate bankruptcy from my credit reports with all three major bureaus.

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 2024-10-02 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
A collection account from National credit system reported inaccurate information. According to Law FRCA Section B, it is illegal to report information on my credit report with out my permission. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) that you have a file for the account. The account with XXXX XXXXXXXX XXXX was dismissed. See attached, and remove Immediately. This is inaccurate and I did not give permission to report this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-02 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2024-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had theft of money, pymt was returned on two accounts, company closed three lowering credit score. They would not speak wi my credit counseling co but said I wasnt eligible.

Told me not eligible because acct closed. 
I then asked if they would remove a past due fee and Ill make payment and bring acct. current they refused. I asked how they could help me resolve debt if im on social security and get paid once month. They said unfortunately Nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to file a complaint regarding an interest charge applied to my Apple Card, issued by Goldman Sachs. In XXXX, my payment was returned, which resulted in an interest charge on XX/XX/XXXX. I am uncertain when or why my auto-payment settings were changed, but the current setupwhere the payment due date is set for the last day of the monthseems to unfairly penalize cardholders. If a payment fails for any reason, interest is immediately applied. This feels like predatory behavior, and I believe I was unfairly charged. 

I am requesting reimbursement for the interest charged for the month of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-02 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've gone through my credit report and noticed multiple billing issues, particularly with late payments that don't correspond to my consistent payment history.

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 2024-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CMG Financial Services, Inc.
State: NC

Complaint narrative:
Last month ( XX/XX/XXXX ) I decided to begin the process to refinance my home loan to decrease my interest rate form 8.25 % to a lower rate and to a lower mortgage payment. I do not want a cash out refinance. However, I was told by my current lender, Click to Close out of XXXX, TX, that I would have to repay the $ XXXX first time homebuyer down payment assistance grant that my first lender provided to me. 

No where in the Second Lien Disclosure document, in my closing documents package ( p. 44-46 ), does it state that I would have to repay the grant if I refinance my home loan to obtain a lower interest rate to better afford my mortgage. Learning this last week was not only confusing but extremely discouraging and distressing as I am trying to better afford my mortgage. I was advised that to refinance my home I would have to first payoff the $ XXXX XXXX, or surrender the equity in the home to repay the grant that the first lender, CMG Financial, out of California provided to me. CMG Financial did not disclose this to me, and now I am stuck in a high interest rate without the option to lower the rate without giving away most of the equity in the home in addition to the costs and fees associated with paying to refinance the home. 

Due to the horrible mishandling of my home loan by the original lender, XXXX XXXX, I had to find a new lender in order not to lose the home that I worked hard to find and I was closing on. I was grateful for the work that CMG Financial did to get me a home loan. However, I believe that there has been a misrepresentation of the terms of the down payment assistance grant and unfair lending practices involved here.

I'm at a cross roads that could put be behind financially if I refinance my home, making buying the home a waste of time and money while increasing my debt and taking the equity that I have worked hard and sacrificed for to build up in the home that I purchased in XXXX on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
Greetings, on XX/XX/XXXX I sent a certified letter to XXXX requesting validation of the account listed below. The account does not belong to me and it is causing great strain on my credit report. I have attempted on several occasions to get this removed. Below is the latest certified letter I sent. Please assist me in getting this removed permanently. I do not want a " verification '', I need the account VALIDATED with the original contract sent to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Account XXXX XXXXXXXX XXXX, Account Number XXXX / XXXX Dear Sir/Madam, I am formally requesting validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ) Balance : {$21000.00} Credit Limit : {$20000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX ) Legal Basis for Dispute : According to the FCRA : 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable investigation to verify disputed information. If the information can not be verified, it must be removed from the report.

15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported.

Requested Information : 1. Complete validation of the debt, including the original creditor 's details and a breakdown of how the balance was calculated.

2. Copies of any documentation that supports the validity of this account. 
3. The procedures used to verify the disputed account and determine its accuracy. 
If you are unable to validate the requested information, I respectfully request that this account be corrected or deleted from my credit report. 
As per the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit file. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
Greetings, on XX/XX/XXXX I sent a certified letter to XXXX requesting validation of the account listed below. The account does not belong to me and it is causing great strain on my credit report. I have attempted on several occasions to get this removed. Below is the latest certified letter I sent. Please assist me in getting this removed permanently. I do not want a " verification '', I need the account VALIDATED with the original contract sent to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Validation of Account XXXX  XXXX XXXX, Account Number XXXX / XXXX Dear Sir/Madam, I am formally requesting validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ) Balance : {$21000.00} Credit Limit : {$20000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX ) Legal Basis for Dispute : According to the FCRA : 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable investigation to verify disputed information. If the information can not be verified, it must be removed from the report. 
15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Requested Information : 1. Complete validation of the debt, including the original creditor 's details and a breakdown of how the balance was calculated.

2. Copies of any documentation that supports the validity of this account.

3. The procedures used to verify the disputed account and determine its accuracy. 
If you are unable to validate the requested information, I respectfully request that this account be corrected or deleted from my credit report. 
As per the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit file. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XX/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 2024-10-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus XXXX XXXX XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-02 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2024-10-02 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: GA

Complaint narrative:
I reviewed my credit report and found several billing discrepancies, particularly with late payments that dont align with my usual payment pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: LA

Complaint narrative:
The delinquent payment shown on my credit report ( Month/Year ) was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/ AGREED for the following time period. XXXX XXXX XXXX XX/XX/XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
Dear Sirs or CFPB, I would like to tell you about NorthStar Locations Service under 3rd party with XXXX XXXX XXXX. 

I got letter from NorthStar Locations Service from XXXX and I owed them almost XXXX less. I won't pay them. Can you tell them and I would like to dispute them right now. 

Because It was before Scam and XXXX XXXX, She stole id theft from me and really bad and no reason pay owes to them. It was mess up from XXXX XXXX XXXXXXXX Pushing to Northstar Locations Service LLC. and it's mess up with it. I am really suprised myself. I don't want to go to the Jail time. It hard times search find need the lawyers and They nevers call me. But I refuse call to NorthStar Locations Service from XXXX with the letter Debt Collectors. 

How do you resolve that? let me know I need your help and really very important VIP as quickly as possible. 

Thank You Sincerely Yours, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These accounts are all fraudulent accounts opened in my name. I was XXXX with XXXX XXXX  XXXX XXXX when my identity was stolen and being used to open fraudulent accounts. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. My only address should be XXXX XXXX XXXX XXXX Ga XXXX. I was XXXX since I was XXXX XXXX XXXX until my release date of XXXX When I came home it was to my home address of XXXX XXXX XXXX XXXX, Ga 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 2024-10-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX These accounts are all fraudulent accounts opened in my name. I was XXXX with XXXX XXXX XXXX XXXX when my identity was stolen and being used to open fraudulent accounts. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. My only address should be XXXX XXXX XXXX XXXX Ga XXXX. I was XXXX since I was XXXX XXXX XXXX until my release date of XX/XX/XXXX. When I came home it was to my home address of XXXX XXXX XXXX XXXX, Ga 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