vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: LA

Complaint narrative:
To Whom It May Concern : I sent a request for an investigation under XXXX XXXX ( a ) to you in reference to the following account ( XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX  I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, 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 2024-05-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian was asked by XXXX to DELETE a XXXX XXXX on my credit report. 
Experian STILL HAS NOT DONE SO. This should be DELETED immediately. 

Please see the below complaints and responses : " As you can see from XXXX 's response in a previous complaint to the CFPB, XXXX ASKED EXPERIAN TO DELETE THE INFORMATION, so for Experian to deny the request goes AGAINST XXXX 's request. Please see below complaint # XXXX and XXXX 's response, which clearly indicates the request to delete the information. XXXX XXXX replied to the complaint ( CFPB Complaint # XXXX and XXXX ) that they had ask for Experian to delete this record on XX/XX/year>. For Experian not to follow the request of the reporting company, is UNJUST and should be UNLAWFUL, if it's not already. ''

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-05-02 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-05-02 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I sent a verification request asking for surety bond, original creditor agreement and collection verification. Sent request on XX/XX/year>. I found that their bond filed with XXXX XXXX XXXX XXXX is not valid. I sent this debt collector a copy of the bond showing cancelled. In Texas its required under Texas Finance code under Sec. 392.101 that a debt collector must have a active surety bond filed and registered with the XXXX XXXX XXXX. I did received partial information from debt collector regarding the debt but did not get Surety Bond information as requested or a copy of the agreement between the debt collector and the original creditor. I had my acting agent contact the the debt collector and they refused to give him any bond information and was in fact not compliant in his request. They did verify hos POA when sent. Their was no reason to not communicate about the debt and bond request I have attached his sworn statement Affidavit that has been notarized. I do not feel I owe this debt and feel the collection agency is acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
I have been paying on this collection for 4 years. I used to be allowed to pay online which also allowed me to watch the balance. They have pulled online access and failed to provide me access even after they have promised to restore that. Today they told me the account is so old they can't provide me with that information. I feel I should have access to see what is going on with the balance of this account. Especially since it was provided before. I have my suspicions the account isn't being managed and could be getting over charged and need your help. Thank 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 2024-05-02 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: MORTGAGE EQUITY PARTNERS LLC
State: RI

Complaint narrative:
On XX/XX/XXXX I filled out an application for a mortgage for land and a house build from Mortgage Equity Partners. It got accepted and I was working with a lending officer for the pre-approval process. I was given a pre-approval on XX/XX/XXXX, which was then void due to my credit being one point lower than it needed to be. My credit went up substantially, and I was given a second pre-approval On XX/XX/XXXX. I put an offer in on the land and paid a deposit once they accepted my offer ( {$2000.00} ). Per instructions from the lending officer, I had to get quotes for every aspect of the house build. I had to hire an engineer to draw up the site plans. I also had to hire an engineer to draw up the house plans totaling around {$11000.00}. While getting all the quotes, I was still waiting for a loan breakdown, which I never received. After asking for that paperwork, all contact with this lending office went quiet. All of my realtors phone calls, emails, text messages were never answered. Finally my realtor wrote an email to the president of the company which resulted in a phone call from the president stating that. We are so sorry, your lending officer completely messed this up and you should have never been approved for this loan in the first place. Reasons being my credit wasn't where it needed to be. They have refused to give us a denial letter because they said they dont even know how to write one up since I never shouldve been approved. They tried to rectify this by telling me they would do whatever they had to do to get me the loan. Which they never did. They then sent me a text on XX/XX/XXXX stating that I needed to fill out a new loan application so that they could deny me in order for me to get my denial letter. I refuse to do so As it will damage my credit score. Since then, there has been little to no contact with this company. This is completely unprofessional and I feel this is Fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Account : XXXX XXXX  XXXX I am writing to formally assert my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in various sections of Title 15 of the United States Code. Specifically, I would like to draw attention to the following sections : - 15 USC 1681 SECTION 602, which grants me the right to privacy regarding the information contained in my consumer report. 
- 15 USC 1681 SECTION 604a SECTION 2, which stipulates that a consumer reporting agency can not furnish an account without my written instructions. 
- Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure that each periodic statement is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I want to emphasize that I have never provided written instructions to either of the credit reporting agencies or the above-listed creditors to furnish any information on my consumer report, thus potentially violating 15 USC 1681b . 

Additionally this account has been closed due to the company 's willful negligence in reporting information against my permission and litigation is in process. Equifax, XXXX, and XXXX XXXX are now co-conspirators and I will not hesitate to amend my complaint and include them. I have been sending the agencies correspondence for XXXX months demanding their compliance and now I have had it. These agencies have also not marked this account as being disputed after SEVERAL disputes sent to them. They are willfully negligent in NOT ensuring the information on my consumer report was XXXX % accurate prior to publishing it WITHOUT my consent! 

The actions of the Credit Reporting Agency in furnishing information without my explicit consent have caused me severe stress and anxiety due to what I perceive to be abusive and unfair practices. 

I request your immediate attention to rectify this situation and ensure compliance with federal laws governing consumer credit reporting. I also urge your agency to take necessary steps to prevent similar violations in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
yes under the 15usc 1681 the loan on my credit report has been ask to be investigated over over again they sent back just a plain credit report they didn't investigate properly neither did they remove it from my credit report i have sent them letters over over again and under the fair credit act i have the right to no how the situation was investigated and why is it still on my credit report neither of these things was done i will appreciate if they remove this negative items from my credit report its hindering 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 explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with Aldous and Associates no original contract was provided as requested. Aldous and Associates are not licensed in the state of Virginia to collect debt as a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
I HAVE BEEN REQUEST FOR YEARS FOR THIS INCOORECT INFORMATION TO BE DELETED FROM MY CREDIT REPORT!! ON XX/XX/year> I FILED A POLICE REPORT ABOUT FRADULENT ACTIVITY BEING REPORTED TO MY CREDIT REPORT! I AM EXTREMLY UPSET THAT XXXX, XXXX, AND XXXX HAVE YET TO DELETE THE FOLLOWING JEFFERSON CAPITAL SYSTEMS ( XXXX ) {$1200.00}. I HAVE NEVER HAD AN ACCOUNT WITH XXXX!! ALSO, I HAVE FILED SEVERAL COMPLAINTS ABOUT A FRADULANT ACCOUNT REPORTING INCORRECTLY ON MY CREDIT AS WELL XXXX FROM XXXX XXXX IN THE AMOUNT OF {$7400.00}. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX. i HAVE ONLY HAD A PHONE BILL WITH MY MOTHER AND WE HAVE BEEN WITH XXXX FOR 10 YEARS NOW!!! PLEASE HAVE THIS DELETED FROM MY CREDIT REPORT THROUGH XXXX, XXXX, AND XXXX. THIS HAS CAUSED SO MANY ISSUES IN MY LIFE AND WITH MY JOB AND ALSO TRYING TO PURCAHSE A HOME!! REMOVE DELETE THESE ACCOUNT ASAP! I WILL ALSO BE FILING A COMPLAINT WITH XXXX, AND CFPB!!!!!!!!! HAVE PLACE A CREDIT FREEZE AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I filed 2 cases to get replacement cards from incomm in XXXX. But have only received 1 replacement card to date. 
case numbers are : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CT

Complaint narrative:
I notice that on my Trans Union report my XXXX XXXX  XXXX XXXX  Account status has not been updated. My worst payment status is still reporting 120-149 days late. However on my XXXX account its listed as current, which is correct.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom this may concern my name is XXXX XXXX XXXX XXXX, and I've decided to compose this statement after reviewing my report. The accounts listed in this report should not be reflecting on my personal consumer report as they are in violation of 15 US Code section ( s ) 1681-E, 1681-I, and 1681S-2 of the Fair Credit Reporting Act ( FCRA ) as I am a federally protected consumer. I have identified the inaccuracies in which require immediate attention and correction per FCRA guidelines. I am requesting a through investigation into these discrepancies along with prompt removal to uphold the integrity of my credit report and my consumer credit 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