vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2024-07-14 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: NM

Complaint narrative:
I got a car auto loan from this company back in XX/XX/2022. My payments have been on time and I have paid every single time I have needed to pay. Just recently the auto company puts my auto loan on my credit score twice. Its XXXX different companies, but the same exact loan For the exact same amount that I signed for. This has now affected my credit substantially. I have contacted the company, but they are not working fast enough. I am trying to get a rental property and this has affected my credit substantially and I need extra help. On my Trans Union account, they took off both the auto loans which has now dropped my credit score XXXX points in the span of XXXX weeks. Both auto loans are still on my XXXX account which it has dropped my XXXX account XXXX points. I am not sure why they are affecting the credit bureaus differently, but they are. Like I said, I am trying to get a rental property and now I am not able to do that, I have to put it on hold. Because of my credit score dropping. I need to know what I can do for my next steps because this is not fair and it is causing a lot of stress and distress in my life. I have paid in total {$12000.00} to this company regarding this car loan and not taking this situation seriously is disheartening. If someone could point me in the right direction on getting help and how to get this situation rectified I would appreciate it. 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 non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have demanded by mail using certified mail # XXXX XXXX XXXX XXXX XXXX midland credit provide me with validation of this alleged debt they claim I owe and that they cease all communication with me per my rights under the FDCPA. They have failed to comply. The FDCPA defines communication as '' the conveying of information regarding a debt through any medium. Because they continue to report this alleged debt they have violated the FDCPA and that means they have harassed and abused me per 15 usc 1692d.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was not presented any information in what was owed or information showing that it was me. No name, social, address, or contract stating or showing proof that it is me that owes. 
" XXXXXXXX XXXX XXXX XXXXXXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: CA

Complaint narrative:
I am writing to dispute account on my credit report that are a result of identity theft. This account is not mine, and I have already contacted the company involved to report the fraud. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. I request that you investigate this account and remove it from my credit report as soon as possible. Please let me know if you need any further information or documentation from me to assist with this process. 
XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Lvnv Funding LLC/ Resurgent Capital Services goes by two names! this company has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile along with this Debt Collector, 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!! I want this derogatory information removed from my credit profile because I did not give consent per 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) compensate me for the violation. Update my credit profile, I want Everything in writing also the investigation 15 USC 1681j 12 CFR Part 1022, Subpart N, ( C ) Nation-wide specialty consumer reporting agency, 15 USC 1681i ( iii ), ( 7 ) Description of reinvestigation procedure no later than 15 days ( 8 ) Expedited dispute resolution ( e ) Treatment of complaints and report to congress, Update my address & remove the old address on my profile because I don't live at those listed address but one address which is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX it's not accurate 15 USC 1681 ( a ) Accuracy and fairness of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NVR INC.
State: NJ

Complaint narrative:
Subject : Complaint Against Loan Officer XXXX XXXX of NVR Mortgage for Failure to Disclose Information Dear Sir/Madam, I am writing to formally lodge a complaint against loan officer XXXX XXXX for failing to disclose critical loan information in a timely manner, which has caused significant inconvenience and financial detriment. 

I locked my loan on XX/XX/year>. As part of the agreement, I was entitled to a one-time float-down option. However, XXXX XXXX did not disclose this information in a timely manner, resulting in my inability to exercise the one-time float-down option to unlock and relock rates. 

I have made numerous attempts to contact XXXX XXXX through emails and messages to rectify this issue. Unfortunately, he ignored my requests and only responded when it was too late for me to take any action. This negligence and lack of timely communication have caused me to miss out on a crucial opportunity to manage my loan rates effectively. 

Enclosed are the details of my correspondence with XXXX XXXX, including copies of emails, messages, and text messages. These documents will provide further evidence of XXXX XXXXXXXX XXXX failure to fulfill his responsibilities as a loan officer. 

I have also submitted this complaint to my real estate attorney to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: FL

Complaint narrative:
Experian just added a new address to my credit profile!! XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do not reside at that address nor the XXXX XXXX XXXX XXXX, XXXX FL XXXX! 
These addresses are still on my credit report which is a violation of S 602. Congressional findings and statement of purpose [ 15 U.S.C. S 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer Credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies their grave Responsibilities with fairness impartiality, and respect for the consumers right to privacy.

( b ) Reasonable procedure. It is the purpose of this title to require that consumer reporting Agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, Personnel, insurance, and other information in a manner that is fair and equitable to the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such Information in accordance with the requirements of this title.

15 USC 1692 S 802. Congressional findings and declaration of purpose

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 2024-07-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I saw I had a hard inquiry on my credit report on XX/XX/year> from XXXX XXXX XXXX XXXX I contacted Customer Service but, they couldnt provide any information for the inquiry. They said they would reach out to me but, i havent heard from them.

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 2024-07-15 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: IL

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc.
State: VA

Complaint narrative:
Debt collector : RA Rogers Inc The above reference collection company is impersonating themselves as the original creditor. I never applied for any account with this company. If they are impersonating themselves as the original creditor and I never applied for any account with this company, that means an account was opened using my information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I had credit protection with the card. I became involuntary unemployed in XX/XX/year>, and notified the company to enable credit protection. They never did or would and now my credit score has dropped and the account is showing past due. They have sent me a " settlement offer '' to pay off the debt at a reduced amount. I've called, written and emailed them about this 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 2024-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Around mid XXXX, Ive made a phone call stating for proof from the debt company itself for proof of me owning this debt after seeing it on my credit report unknowingly. They could not provide proof to me stating just a balance and when they got the debt. They stated I owed {$1400.00}. 

On the date of XX/XX/year>, I filed a dispute with the credit company Equifax as to which they completed the investigation under two days ( XX/XX/year> ) stating it was completed. I received the letter back after 30 days verified as accurate in XXXX. 

I was exercising my right as 15 USC1681 ( a ) ( 6 ) B ) I ) It was now in XXXX when I typed a letter to now ask EQUIFAX itself for proof of how did they verified this debt as accurate. I sent this letter as certified. They received my letter on XX/XX/year> and decided to open ANOTHER dispute and this time it took XXXX days for them to investigate it as completed on XX/XX/year> with the same results which I DID not ask for. I ask proof of the investigation from the month of XXXX dispute. They violated my rights and I made a phone call and a dispute claim representative is claiming its identity theft and to which who sent the letter to them ask for a dispute instead which is incorrect. I do have the letter I sent as well, if you wish to view it. I had clear instructions with no intentions for another dispute to be open, but PROOF of how they investigated the first dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I sent a letter to the company, several months ago and asked for the balance to be corrected, since a IRS form 1099 C was submitted to the IRS and accepted. Also the addresses on the report are un-mailable and need to be removed, the phone numbers, and email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: CA

Complaint narrative:
I am writing to dispute account on my credit report that are a result of identity theft. This account is not mine, and I have already contacted the company involved to report the fraud. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. I request that you investigate this account and remove it from my credit report as soon as possible. Please let me know if you need any further information or documentation from me to assist with this process. 
XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Started this credit card with a XXXX XXXX Dollars credit limit. I have never missed a payment but the credit kept going up and it is now over XXXX XXXX Why they are sending me text messages that my payment is due even though I make payments on the XXXX of every month. Never missed a payment and the interest rate is too high. I called them to close the account but they refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This is related to communication that happened over this weekend - including Thursday and Friday of this week. My credit card number information was stolen without my knowledge for an unknown perpetrator to go on a spending spree. Three police departments ( my hometown police department, and the two police departments where the merchant has locations of business ) have opened up felony criminal credit card fraud investigations. Nevertheless, I was discouraged from Citibank staff to send in any written documentation proving my side. When I asked would this then just be resolved in my favor, I was told that was a loaded question. Well, if Im not allowed to submit the police reports and written documentation proving there was NO legal authorization, then is Citibank going to just flip a coin? So I did go ahead and submit all the relevant documentation- including proving the signature provided was NOT mine and the authorization was NOT made by me. I also submitted the 3 open police reports or case informations from the police departments. I was told I should do my criminal investigation against the merchant and contact them, but I do not want to dabble into vigilante justice. This is why we have the police, and FCBA requires Citibank to remove ALL fraudulent transactions- and I should NOT have to put my life in imminent jeopardy.

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