vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXXXXXX wrote off the debt which means this debt is discharged. THIS DEBT NEEDS TO BE REMOVED FROM MY CREDIT NOW.

Iq data- did not provide verification of my debt. I have repeated asked for a contract from iq data to verify the debt i owe. This is the 3rd time i asked, and havent received any paperwork. Please REMOVE FROM MY CREDIT REPORT, AS THEY HAVE VIOLATED FDCPA FOR NOT VERIFYING MY DEBT.

The dealership did not provide those mandatory disclosure forms at signup. This is a major violation and I exercised my right to rescind my contract. XXXX XXXX unfairly denied my rescision and discriminated against me. 
REMOVE XXXX XXXX ASAP! 


i HAVE ATTACHED ALL 3 LETTERS BELOW FOR YOU ALL TO VIEW

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-14 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following account " XXXX XXXX XXXX XXXX '' was PAID IN FULL and is fully paid off! I am demanding the deletion of the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the following UNAUTHORIZED inquiries : 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 2024-08-15 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: IN

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Our mortgage documents state that we are only XXXX XXXX and not property taxes. I paid our taxes to XXXX XXXX, IL on XX/XX/XXXX. When I logged on to pay our mortgage payment by XX/XX/XXXX, on XX/XX/XXXX our mortgage servicer, XXXX financial, paid the property taxes as well. Despite the mortgage stating to the contrary. 

I called the servicer to ask what was going on, and I filed a XXXX on the website. The customer service agent I spoke to on the phone seemed to understand the situation and stated that it would be removed by XX/XX/XXXX. 

We received a letter in the mail on the XXXX stating that they had denied our request due to the length of the loan being open. I called the customer service line again on the XXXX to clarify. They informed me that because the loan had not been serviced for over XXXX  months, they could not remove the XXXX XXXX. I informed them that all I wanted was XXXX to reflect our mortgage documents and that we were not XXXX XXXX XXXX because in IL, substantially XXXX veterans do not pay property taxes. They informed me that our only recourse was to mail or fax a handwritten XXXX to the company. 

I do not currently have a copy of our mortgage documents because I am trying to handle this while I am on vacation, but if there were to be a follow up email I could attach a copy of the mortgage documents that we signed when we closed on our home XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NV

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my XXXX XXXX in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX  XXXX Account XXXX Date of Charge XXXX Amount : {$0.00} I have previously XXXX the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my 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 2024-08-14 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: FL

Complaint narrative:
XXXX Account # XXXX There are several potential FCRA ( Fair Credit Reporting Act ) violations. The FCRA mandates that credit reports be accurate, complete, and up-to-date. Under FCRA law I demand these inaccurate accounts be deleted today. Here 's a breakdown of the potential violations based on the discrepancies : XXXX. Date Opened Discrepancy TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : FCRA XXXX XXXX requires that information on a credit report be accurate. The difference in the date opened could suggest inaccurate reporting. If the account was opened on XXXX date, all XXXX should reflect this consistently. 
XXXX. Date Last Active Discrepancy TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : FCRA XXXX XXXX requires that information be current and accurate. A discrepancy in the date last active could misrepresent the account 's status and payment history. If the account was last active on a certain date, this should be consistent across all reports. 
XXXX. Last Reported Date Discrepancy TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : The difference in the last reported date is minor but can be indicative of potential issues with data synchronization or accuracy. All dates should be consistent to ensure accuracy 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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) wrongly denied my application because it claimed that I had previously received mortgage reinstatement from XXXX. My mortgage statements did not show that Shellpoint had received any money from XXXX. My attorney sent a XXXX for XXXX and Notice XXXX XXXX under RESPA to Shellpoint on XX/XX/year> requesting information about my account and for Shellpoint to either correct a misapplication of funds from XXXX or miscommunication with XXXX. The letter also requested account information that I need in my appeal to XXXX for mortgage reinstatement assistance. Shellpoint did not respond to the XX/XX/year> letter. My attorney then sent another RESPA letter to Shellpoint on XX/XX/year> requesting the same information and correction of errors. Shellpoint has not responded to the XX/XX/year> letter, even though it has been well over the XXXX business days that they have to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: AZ

Complaint narrative:
Dear Transunion I was a XXXX  of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX Account Number : XXXX Delete from 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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recognize the significance of eliminating any XXXX entries from my XXXX XXXX, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is XXXX to me.

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 2024-08-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Valentine and Kebartas, Inc.
State: ME

Complaint narrative:
XXXX XXXX XXXX  - Debt Collector : Don't forget about us. You missed your payment. To pay click XXXX XXXX XXXX. To optout txt STOP They texted me today at XXXX XXXX and I never set up a payment pal with them and I never heard about them before

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NY

Complaint narrative:
CREDIT ONE XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX ACCT # Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected .I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. Credit One Card services received numerous correspondences to correct or delete Delete this account from my file immediately for inaccuracy

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 2024-08-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX ACCT # Account info Account number XXXX Open/closed Closed Date opened XX/XX/year>2016 Account type Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected .I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. Credit One Card services received numerous correspondences to correct or delete Delete this account from my file immediately for inaccuracy

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 2024-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
My sister and I lived at XXXX XXXX XXXX ( it use to be XXXX XXXX  before the name changed and management from XXXX ). Due to financial hardship, I was no longer able to continue paying the rent and I had to find an affordable place. I had renew my lease as I have thought that I was going to stay but sadly I was unable to continue to pay rent. I had sublease my apartment on XXXX of XXXX to a student name XXXX XXXX who said she will take over both leases. I signed the transfer lease and paid {$200.00} for the transfer fee. XXXX of the leasing agents came and inspect the apartment. They said it was in good condition. XXXX and I signed the delegate form that stated that the delegate ( XXXX XXXX ) will become the primary. 

In late XXXX XXXX of XXXX, i got an email from XXXX stating that I owe over $ XXXX in damages when I never cause the damage. They told me that XXXX XXXX never sign the second lease for Fall XXXX XXXX and she had someone living there illegally. They claimed that they called and email XXXX XXXX many times to have her pay the damage fees but she was refusing to. I spoke to the resident in XX/XX/XXXX, who stated that her friend ( XXXX XXXX ), damage the apartment back in XXXX of XXXX and walk away with the keys. 

Also that same month, I told them to removed me from both leases as I wont be renewing and they agree since I paid to have me removed from both leases. That same year, XXXX was harassing my family and I about the payment. My family and I went to show them proof that XXXX was responsible since she was living there. The complex made up alot of excuses on why they didnt take them to court. I found out in XX/XX/XXXX that XXXX had keep me on the lease illegally instead of removing me. They told me that the apartment was fixed. 

I send my account to collections knowing that the damages happen under another resident and they tried to ruin my credit. I had called NATIONAL CREDIT SYSTEM about the incident and they ask me to send them proof. I emailed them proof in XXXX or XXXX of XXXX and they never responded back to me. I filed several complaints against XXXX XXXX XXXX this year and they refused to address the issue I have attached pictures of the lease, payment of the transfer fee and the pictures that I took on the day I moved out to show that the apartment was clean and damaged free ( i moved out in XX/XX/XXXX ). The lease clearly states that if the damage happen while a resident is living there, they are responsible. The damaged happen in XX/XX/XXXX while XXXX XXXX was living there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: AZ

Complaint narrative:
Dear Experian I was a XXXX  of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my XXXX XXXX 

XXXX. XXXX XXXX CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete from my XXXX XXXX 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my XXXX XXXX. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX VERIFY Date of inquiry : XX/XX/XXXX Please remove it from my XXXX XXXX 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my XXXX XXXX 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my 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 2024-08-14 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: CA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX  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