vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-01-26 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: DISCOVER BANK
State: IN

Complaint narrative:
I have called and sent in writing to provide documentation verifying that I have an OPEN account with this company. They have yet to provided anything proving this. Per 15 USC 1681 Permissible purposes states this. I also opted out of the company reporting per 15 USC 6802-6805 and it is still on my report with XXXX, nothing has been done. This is violating my consumer rights per The Privacy Act 1974. I want this inquiry deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: NE

Complaint narrative:
Mortgage serviced by roundpoint. Mortgage company XXXX XXXX House appraised on XX/XX/XXXXXXXX  for {$470000.00} Purchased on XX/XX/XXXXXXXX  for {$460000.00} Roundpoint list value of home at {$470000.00} Current remaining amount on mortgage {$360000.00} LTV 77.8 % ( based on mortgage listed value and appraised value ) Called roundpoint to confirm amount of mortgage needed to be paid down to remove PMI. was on call over an hour before giving up and hanging up. Told they were unable to provide that amount. Then provided an amount that was >30 % total of mortgage. Found a calculator on their website and discussed with individual and she continued to insist must pay >30 %. Calculated myself 20 % payoff and 22 % payoff and paid off this amount as listed above. I have also paid in full mortgage every month. Submitted form for PMI removal. XXXX XXXX denied removal and requested pay for house appraisal. House appraised less than 120 days ago and have met 77.8 % LTV of value. Again called roundpoint to request removal. They stated I must pay an additional {$63000.00} ( 35 % of original valuation ) to be removed or pay for the house to be reappraised. They reported this was directly from XXXX XXXX  and there was nothing they could do about it. Were unable to answer why the 20 % payment and 22 % payment as laid out by their documents as well as the HomeOwners Protection Act of 1998 respectively was not being followed. Request removal of PMI for loan reaching <78 % LTV

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 2024-01-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address multiple fraudulent entries on my credit report, specifically related to DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EXXXX XXXX DEPT OF ED/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TOWNE MORTGAGE COMPANY
State: GA

Complaint narrative:
In XX/XX/2023, I had a conversation with XXXX from Town Mortgage regarding a financial hardship I was facing at that time. XXXX assured me that she would pass on the information, but I did not receive any further communication from her or Towne Mortgageuntil yesterday, which was XX/XX/XXXX. It was frustrating to realize that XXXX denied being the person I had spoken to in XXXX, despite my clear recollection of her introducing herself by name. She was rather XXXX and unhelpful during our brief interaction. Instead of guiding me towards any assistance or providing any direction, she simply brushed me off. To my surprise, when I mentioned that I had given consent for a third-party to handle the matter on my behalf, she abruptly informed me that they do not engage with third-party individuals and would only communicate with me directly. XXXX 's behavior, attitude, and lack of professionalism have left me feeling unsupported and disrespected. It seems to me that this company 's intentions are not aligned with assisting homeowners in keeping their homes, but rather with facilitating their loss.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: AUSSRQ Holdings, LLC
State: NY

Complaint narrative:
I have repeatedly raised concerns with XXXX regarding inaccuracies persisting in my credit report, despite numerous notifications you ( XXXX ) continue to report this inaccurate information. This situation not only appears to be grossly unfair but also runs afoul of the law. As stipulated in 15 U.S. Code 1681 ( b ), reporting agencies are mandated to adopt reasonable procedures for the fair and equitable treatment of consumers concerning the confidentiality, accuracy, relevancy, and proper utilization of information. 

The ramifications of this inaccurate reporting are severely hindering my ability to move forward in life with my family. I have explicitly communicated to ( XXXX, XXXX, or XXXX ) that I do not consent to the inclusion of this flawed personal information in my consumer report and they need to be deleted because of inconsistent information. This stands in clear violation of both 15 U.S. Code 1681 and 15 U.S. Code 1681c2. I insist that you ( XXXX ) take immediate and decisive action to block and delete the specified personal information from being reported on my consumer profile within four days of receiving this notice. I anticipate your prompt response and resolution of this matter, recognizing the gravity of the situation. 

You are required to do what I am asking and block and delete the mentioned accounts in my attached letter from being reported to my consumer report within 4 days from the date of the receipt of this notice. This request is not being made in error and I will be contacting both of the other bureaus ( XXXX XXXX XXXX ) that are also in violation of reporting this account inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CL Holdings LLC
State: NY

Complaint narrative:
I have repeatedly raised concerns with XXXX regarding inaccuracies persisting in my credit report, despite numerous notifications you ( XXXX ) continue to report this inaccurate information. This situation not only appears to be grossly unfair but also runs afoul of the law. As stipulated in 15 U.S. Code 1681 ( b ), reporting agencies are mandated to adopt reasonable procedures for the fair and equitable treatment of consumers concerning the confidentiality, accuracy, relevancy, and proper utilization of information. 

The ramifications of this inaccurate reporting are severely hindering my ability to move forward in life with my family. I have explicitly communicated to ( XXXX, XXXX, or XXXX ) that I do not consent to the inclusion of this flawed personal information in my consumer report and they need to be deleted because of inconsistent information. This stands in clear violation of both 15 U.S. Code 1681 and 15 U.S. Code 1681c2. I insist that you ( XXXX ) take immediate and decisive action to block and delete the specified personal information from being reported on my consumer profile within four days of receiving this notice. I anticipate your prompt response and resolution of this matter, recognizing the gravity of the situation. 

You are required to do what I am asking and block and delete the mentioned accounts in my attached letter from being reported to my consumer report within 4 days from the date of the receipt of this notice. This request is not being made in error and I will be contacting both of the other bureaus ( XXXX XXXX XXXX ) that are also in violation of reporting this account inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XX/XX/XXXX : I was a victim of identity theft through a theft of my XXXX and associated passcode and wallet. The phone and XXXX XXXX were used to make many unauthorized transactions ( approx {$6000.00} ). I notified XXXX XXXX within hours of the incident as well as providing a police report to the same effect. I also requested my account be closed as I no longer had the card or XXXX. The account was closed as requested. 

XXXX XXXX disputed the transactions and after an investigation found all fraudulent transactions to be truly fraudulent and did not hold me responsible. 

XX/XX/XXXX : However, several months later, I was notified of a delinquent account on my credit report in the amount of about {$100.00}. I contacted XXXX XXXX to dispute this report and informed that as a matter of course in reversing the fraudulent transactions, XXXX XXXX actually charged me a small percentage of each transaction due to their rewards program. 

I explained that I did not have access to these rewards as I lost the phone and closed the account ( I actually believe the thieves may have used those rewards too ) and that I should not be responsible for downstream effects of fraudulent activity, regardless of XXXX XXXX rewards program . 

They informed me they would open a dispute and I have had no resolution since. 

At the same time, I filed an identity theft dispute with TransUnion and XXXX ( the reporting agencies at this time ). They both opened investigations and apparently XXXX XXXX continued to verify the accuracy of the delinquent account. 

In early XX/XX/XXXX I paid the full balance XXXX XXXX alleged that I owe to a void their continued reporting, however I contest that any amount was ever owed. 


I have also attached the original dispute letter which includes my police report as well as my FTC Identity Theft 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 2024-01-26 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/XXXX : I was a victim of identity theft through a theft of my XXXX and associated passcode and wallet. The phone and XXXX XXXX were used to make many unauthorized transactions ( approx {$6000.00} ). I notified XXXX XXXX within hours of the incident as well as providing a police report to the same effect. I also requested my account be closed as I no longer had the card or XXXX. The account was closed as requested. 

XXXX XXXX disputed the transactions and after an investigation found all fraudulent transactions to be truly fraudulent and did not hold me responsible. 

XX/XX/XXXX : However, several months later, I was notified of a delinquent account on my credit report in the amount of about {$100.00}. I contacted XXXX XXXX to dispute this report and informed that as a matter of course in reversing the fraudulent transactions, XXXX XXXX actually charged me a small percentage of each transaction due to their rewards program. 

I explained that I did not have access to these rewards as I lost the phone and closed the account ( I actually believe the thieves may have used those rewards too ) and that I should not be responsible for downstream effects of fraudulent activity, regardless of XXXX XXXX rewards program . 

They informed me they would open a dispute and I have had no resolution since. 

At the same time, I filed an identity theft dispute with XXXX and Experian ( the reporting agencies at this time ). They both opened investigations and apparently XXXX XXXX continued to verify the accuracy of the delinquent account. 

In early XX/XX/XXXX I paid the full balance XXXX XXXX alleged that I owe to a void their continued reporting, however I contest that any amount was ever owed. 


I have also attached the original dispute letter which includes my police report as well as my FTC Identity Theft Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My mortgage holder, XXXX XXXX Mortgage, had a security breach and made my information vulnerable. They are supposed to provide me two years of identity protection from XXXX, a TransUnion affiliate. I filled out the information online with the activation code I got from XXXX XXXX. TransUnion said they couldn't verify my account and I had to call. I am living in XXXX for the next two years. Calling is hard because I have to call from computer and there is a 14 hour time difference. After holding for over 20 minutes, an agent from XXXX said my account was now unlocked. Later that day I tried to login and the website said my account is still locked and I needed to call again. I called again today. I was on hold for two hours. The agent sent me a temporary password and had me login into my account. After using the temporary password, I was able to set a new password. However, the website again told the account remained locked. The XXXX agent tried to reset it multiple times, but the emails she sent no longer contained a new temporary password. The account remained locked. The agent did not know what to do. I contacted XXXX XXXX and they were supposed to send me a new activation code. I have heard from neither XXXXTransUnion or XXXX XXXX. I contacted both companies on social media, but I have not been able to connect to anyone that can help. This is supposed to be a benefit to me because XXXX XXXX put me at risk. However, it has taken hours of my time to try and get a working account. Both companies seem to have just abandoned me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
1- IT WAS STOLEN MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH CAPITAL ONE. 


2-I NEVER TOOK OUT A CAR WITH CAPITAL ONE IN THE YEAR XXXX, IT IS ALREADY 17 YEARS OLD DUE TO FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$370000.00}.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I am making a CFPB complaint against XXXX XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX XXXX reported a charge off as a major derogatory mark on my credit report to XXXX in the amount of {$290.00}. Per IRS Publication 4681, Charge offs on credit report are certificates of indebtedness which becomes income and income can not be reported to your credit report. Prior correspondence was sent regarding the issue on XX/XX/XXXX to the Chief Finance Officer of XXXX XXXX XXXX, XXXX XXXX. 

I am making a CFPB complaint against XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX reported a major derogatory mark on my credit report to XXXX in the amount of {$1100.00}. Prior correspondence was sent to the company on XX/XX/XXXX where I exercised my right to opt out per 15 USC 6805. 

I am also making a complaint against Flagship Credit Acceptance and all 3 credit reporting bureaus regarding pure accuracy reporting per 15 USC 1681. As of XX/XX/XXXX, the payment reflection on the report is inconsistent for all 3 reporting credit bureaus. Prior correspondence was sent on XX/XX/XXXX to the CEO of the company regarding the issue.

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 2024-01-26 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: FL

Complaint narrative:
These unauthorized inquiries are negatively impacting my ability to obtain credit and apply for loans. In accordance with the Fair Credit Reporting Act, I request that you promptly remove these unauthorized inquiries from my credit report. 
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 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