vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: SC

Complaint narrative:
Account Name XXXX XXXX XXXX XXXX  Account Number XXXX I am filing a formal dispute regarding the inaccurate reporting of a charged-off auto loan by XXXX  XXXX that appears on my credit report. This account, charged off six years ago, is being unlawfully reported in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ) and has yet to be corrected despite my disputes. As this information is inaccurate and outdated under 15 U.S.C. 1681c ( a ) ( 4 ), I am requesting the immediate removal of this charge-off from my credit report to correct the false data and protect my consumer rights. 

This incorrect reporting has caused serious economic damage, leading to credit denials, higher loan interest rates, and increased insurance premiums. I am requesting that the CFPB compel XXXX  XXXX and the credit reporting agencies ( XXXX, TransUnion, XXXX ) to remove this charge-off under 15 U.S.C. 1681i ( a ). The ongoing failure to address this dispute has caused me financial harm, and I request immediate action to ensure compliance with the law. Please confirm the removal of this inaccurate 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 2024-10-24 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: TX

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

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 2024-10-24 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: NV

Complaint narrative:
Transunion provided they verified bankruptcy # XXXX with the US Bankruptcy court - Nevada also XXXX Bankruptcy # XXXXXXXX  Transunion claimed was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!! 
I also contacted the Fraud department at Transunion who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! Transunion has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in XXXX which was discharged!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682 Sincerely XXXX XXXX Transunion file # 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 2024-10-24 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: TX

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

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 2024-10-24 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 need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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 am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.

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 2024-10-24 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: Lendmark Financial Services
State: GA

Complaint narrative:
To Whom This May Concern : My name is XXXX XXXX XXXX. According to the law, you have been violating my rights. Per FCRA as a federally protected consumer, I am now opting out of ALL AUTHORIZATION, I the consumer, may have given you written, unwritten, verbally, and non-verbally per 15 USC 6802 to report anything to anyone or any agency for ANY and ALL reasons. All reported items without my written consent is considered IDENTITY THEFT per 15 USC 1681b ( 2 ). Thank you for your cooperation. 

Respectfully submitted, XX/XX/year>XXXX  XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To Whom This May Concern : My name is XXXX XXXX XXXX. According to the law, you have been violating my rights. Per FCRA as a federally protected consumer, I am now opting out of ALL AUTHORIZATION, I the consumer, may have given you written, unwritten, verbally, and non-verbally per 15 USC 6802 to report anything to anyone or any agency for ANY and ALL reasons. All reported items without my written consent is considered IDENTITY THEFT per 15 USC 1681b ( 2 ). Thank you for your cooperation. 

Respectfully submitted, XX/XX/year> XXXX : 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: IN

Complaint narrative:
There is an INNACURATE reporting on my credit report that is NOT VALID!! A collection account that is listed from Jefferson Capital Systems is now showing on my report. I am not liable for any debt involving this company as no contract was signed between myself and this company. I am not liable for this debt with XXXX XXXX, as shown on my credit report, I do not have a contract with Jefferson Capital Systems, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a car a XXXX XXXXXXXX XXXX from American car financial company, 2 months before they closed their doors forever due to filing bankruptcy and abandoning their car lots i had paid my car off, then all of a sudden i see Westlake pm saying i owe them car payments, i told them i don't my car was with American car financial and not Westlake and I'm not repaying for a car i have paid off, from that point they put it on my credit report which i disputed and XXXX and XXXX took it off at first then put it back on there and that's fraud, XXXX is reporting i owe Westlake pm the total amounts of {$19000.00} and XXXX is reporting i owe {$23000.00} and this is all fraud and reporting as bad debt charge off and XXXX is reporting profit for loss, and that's fraud as well. 

At this point i can not get another loan or lease because of this fraud activity, i never had or did business with west lake pm or financial and i want my {$1000.00} dollars a day from XXXX and XXXX for allowing the fraud activity to happen on my credit profile which is totally a FCRA violation. and since Westlake pm is reporting profit for loss, i was never given or sent or mailed a 1099-c which is a cancellation of debt and according to F.C.R.A. section 623 ( 15 U.S.C. & 1681s-2 ) since i never got a 1099-c this is fraud not just on my credit profile, but to the i.r.s. and to the credit buraus and since i have been injured in this blatantly damaging to me and my credit i am requesting compensation of {$1000.00} a day that this fraud reporting have appeared on 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 2024-10-24 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: GA

Complaint narrative:
I dont recognize these inquires please remove it and help me! 
please remove it the bureau does not remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: WA

Complaint narrative:
I received a notice of servicing transfer in the mail from XXXX XXXX XXXX dated XX/XX/year>. It said on XX/XX/year> they would stop accepting payments and the new servicer Selene Finance will start accepting payments. And that nothing else about my mortgage loan would change. However, now that my loan is under Selene Finance, they are saying that I am 8 mortgage payments delinquent and my amount due for my mortgage statement on XX/XX/year> was {$33000.00}. In a letter from Selene dated XX/XX/year>XXXX  it says they did not receive payment of {$2600.00} and that my loan is in default. And it says the total amount owed to bring the loan current as of the date of this letter is {$22000.00} or risk potential foreclosure of the property. I have proof of payments that I have made to XXXX XXXX for over 2 years but I have no idea what they have been doing with my payments. Now the late fees just keep multiplying and Selene Finance is saying they don't have all the information from XXXX so they don't know what is going on either. On a call with a representative from Selene Finance, I asked what we should do if they don't receive all the documents from XXXX and we don't get this issue resolved, and she said I should file a lawsuit. This is outrageous and I feel like we are being targeted as VA homeowners. I also sent in my regular payment of {$2600.00} for XX/XX/year>XXXX  and it was rejected by Selene Finance and returned back to my checking account. I am trying to make my regular payments so they don't keep adding late fees on but now they won't even accept it and I was not given any reason why. No letter, call, or email was sent to me. I fear they are going to try to take my family 's home and leave us bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-24 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: TX

Complaint narrative:
I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.

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 2024-10-24 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 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 2024-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Dealership FORGED my signature in an authorization from the car loan so they can sign in my behalf which I never give any authorization to do that. They did a contract with the bank WITHOUT MY CONSENT and AUTHORIZATION and all the information in the contract is wrong NAME, ADDRESS, PHONE NUMBER and the BUYER is not even in the contract. I have been trying to fix this with the lender and dealership but nobody helps me and dealerhip refuses to give me any documents or information they always says they sent the documents by mail but how we are going to receive documents if they did everything wrong. And I make a report with the police because dealership refuses to give documents REPORT ON : XX/XX/XXXX  ( XXXX  ) I want to cancel a contract that I never agree and that I never signed. Also, Lender refuses to help me even though I made a formal complaint with them, they said they can not cancel the contract, I try to fix this problem because the person who is the BUYER is other person. The same day when I explain to the Lender that I never signed any authorization they repossed the car without investigate. Now, they are sending me letter saying I have to pay for a car they will send to an actuion. I report them with XXXX  thinking they will help me but they did not... I really need help please ..... I listed the documents from # XXXX to XXXX # you can read it easily

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am writing to express my deep frustration and formally file a complaint regarding an international wire transfer issue that has caused me significant financial and personal distress. I have encountered unreasonable delays and a lack of cooperation from both XXXX XXXX  and Bank of America throughout this process. Below are the detailed circumstances of the matter : 1. Transaction details : Sender : XXXX XXXX ( Myself ) Sending Bank : XXXXXXXX XXXX  Intermediate Bank : Bank of America Recipient : XXXX XXXX XXXX  : XXXX XXXX XXXXXXXX, XXXX Transfer Date : XX/XX/year>XXXX  Amount : XXXX USD 2. Problem Description : Despite initiating this transfer on XX/XX/year>, my friend XXXX has not received the funds for over a year. I repeatedly contacted both PNC Bank and XXXX  XXXX XXXX to investigate the issue, but neither institution provided clear or helpful responses. XXXX XXXX  informed me only after prolonged inquiries that the funds were held by an intermediate bankBank of Americadue to a suspicion of potential involvement in XXXX activities by the recipient, XXXX. 

3. XXXX License Requirement and Lack of Assistance : Upon learning about the hold, XXXX XXXX  instructed me to apply for an XXXX license to release the funds. However, XXXX XXXX  XXXX Sanctions Team and Retail Support Group have been uncooperative, continuously passing responsibility without providing any meaningful support. For a long time, I was unable to even contact Bank of America to understand the issue, which delayed my ability to apply for the XXXX license. After persistent efforts, I finally received some updates from XXXX XXXX, but the prolonged delay has resulted in serious personal consequences. 

4. Legal and Personal Impact : My friend XXXX, believing I misappropriated the money, has initiated legal action against me in XXXX. I now find myself in an untenable situation, having to defend my innocence in court. This matter has caused me significant emotional distress, and I am now seeking immediate cooperation from both XXXX XXXX  and Bank of America to resolve it. 

I am prepared to provide any additional documentation, including transfer details, communication records with XXXX XXXX, and recordings of past conversations. I have exhausted every available avenue to resolve this matter, but the lack of cooperation between the involved banks has left me feeling helpless. 

I kindly request that you treat this matter with the utmost urgency, as the ongoing legal dispute and financial loss continue to cause severe hardship. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and swift resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: PA

Complaint narrative:
I was completely shocked when I saw inaccurate accounts on my credit report this morning, with no clue why they appeared. I check my report regularly, but this time, there were sudden discrepancies. I even refreshed my browser, hoping it was a glitch, but nothing changed. The errors stayed, and now Im asking for my documents to be thoroughly reviewed so I dont have to deal with this stress ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In XX/XX/year>, my mortgage was transferred to Newrez. During the transition, my payment was not forwarded by the previous servicer, XXXX XXXX, to Newrez. Instead, the funds I submitted were returned to my account, resulting in Newrez not receiving the payment. Consequently, they incorrectly reported my account as being over 30 days delinquent. I have never missed a payment in over 20 years. Despite multiple attempts to resolve this with Newrez, they have remained unresponsive. Additionally, Newrez has repeatedly attempted to charge me late fees for supposedly receiving late payments, even though all of my checks were sent electronically and dated prior to the due dates. Documentation and statements available upon request.

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