vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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 am writing to formally lodge a complaint regarding the numerous unsuccessful attempts I have made to remove fraudulent items from my credit file. The persistent presence of these inaccuracies has caused significant distress and concern, necessitating immediate attention and resolution. 

I discovered unauthorized and fraudulent items on my credit report. Disturbed by this discovery, I promptly initiated the dispute process with your bureau to report the inaccuracies and request their removal. 


During my initial disputeI provided detailed information about the fraudulent items, including supporting documentation, and requested a thorough investigation into the matter. 


Despite the dispute process, I have made multiple follow-up attempts to inquire about the progress of the investigation and the status of the removal of the fraudulent items. Unfortunately, these attempts have yielded no resolution, and the inaccuracies persist on my credit file. 
The lack of resolution to this matter is deeply concerning. The repeated failures to remove the fraudulent items have not only caused financial strain but have also compromised my creditworthiness, affecting various aspects of my financial life. 
Requested Actions : I urgently request the immediate and complete removal of all fraudulent items from my credit file. This is crucial to rectify the inaccuracies and restore the integrity of my credit report. 

I implore your team to expedite the investigation into these unauthorized items to identify any discrepancies and prevent any further harm to my credit history. 
Communication Clear and regular communication on the progress of the investigation and the steps being taken to rectify this situation is vital. I expect to be kept informed throughout the resolution process. 

Given the distress and potential financial consequences caused by these fraudulent items, I request fair compensation for any damages incurred. Additionally, I seek assurance that credit monitoring services will be provided to safeguard against future fraudulent activities. 
I trust that you will treat this matter with the utmost urgency and diligence it demands. The timely resolution of this issue is crucial to restoring the accuracy and reliability of my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: GA

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 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 2023-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX my XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX XXXX. The lender was Capital One Auto Finance. When we picked up the vehicle after paying all the outstanding fees we noticed it didn't have power steering. We filled out a notice of damage form from the vehicle storage where the vehicle was stored after the repo. 
We had it looked at by XXXX XXXX XXXX and provided a estimate to repair the damages. We contacted Capital One Auto Finance and submitted the claim. They denied the claim stating we submitted the claim too late and there is nothing they will do. The vehicle is worth XXXX and the damages were estimated at XXXX. In addition they reported the loan as charged off on me and my wife 's credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
i check my credit report last week and i noticed XXXX XXXX that mine

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i check my credit report last week and i noticed XXXX XXXX  that mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: TX

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

Subsequently, I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 

I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 
Requested Actions : I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. 
Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers.

Communication I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 
Compensation Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I also respectfully request the Barclays US provide specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time of is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws Also, the account was closed due to XXXX no longer using them as a credit card company to XXXX XXXX, the company also is not allowing to access my account online or info about the account because I do not have an active card with them to provide the account number

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 2023-12-09 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: TX

Complaint narrative:
To TRANSUNION XXXX XXXX To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. XXXX # XXXX has verified the date and stated that they are reporting correctly that any inaccuracies would fall on fault to the 3 bureaus. I filed many disputes about this issue with no results. As it continues to cripple my financial obligations to other credit companies and violate my civil rights while we try to figure out who's at fault here. 
I received a notification that I had another late payment added to my report today. No charge off account should have late payments attached to it. It is late by default. And this is a very serious violation seeing this has went on so long. XXXX has XXXX late payments attached to it. This is a deformation of my character and against several laws. Along with that each Credit Reporting agency is reporting a different balance as you will see in the attached photos and all have a different date of last activity. This account was verified and validated as being in compliance to the FCRA but how? 
This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you each remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and Metro 2 Reporting requirements. 
With Great Sincerity, 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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The creditor conducted this inquiry without proper authorization, and it must be removed immediately.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A XXXX past-due notice was added by Wells Fargo to the record of my XXXXXXXX XXXX XXXXXXXX account on my credit reports in XX/XX/2023. 

I was legitimately late but on XX/XX/2023, I went to XXXX for almost 6 months. Before leaving, I made a {$10.00} charge on my Choice card to ensure the account stayed active. A few months prior, the issuing bank for this card had changed from XXXX to Wells Fargo. I have autopay set up for all my accounts but I neglected to activate autopay on XX/XX/XXXX for this account, the earliest I could do this after the issuing bank switched to Wells Fargo. In the flurry of getting ready for this long trip, I simply forgot. 

All the postal mail notices that were sent to me went unread since I wasnt home. It was only after I returned home on XX/XX/2023 that I discovered Wells Fargo had waived the {$10.00} charge, closed the account, and lodged an adverse notice with the credit agencies. 

I have been a Wells Fargo customer for well over a decade, have over {$300000.00} invested with them ( {$320000.00} as of today 's close ), and am a XXXX account holder. Wells Fargo should have been very well aware that I was able to pay the {$10.00} account balance. Furthermore, my Wells Fargo XXXX XXXX, XXXX XXXX ( XXXX ID XXXX ), knew I was out of town all summer. Prior to this incident, I had never had a late notice attached to my credit reports. 

I contend that this is an unreasonable reporting pretext. I requested that Wells Fargo excuse this, which was so obviously an oversight, and remove the XXXX late notice from my credit reports. Wells Fargo has refused to remove the late notice.

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 2023-12-09 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: IL

Complaint narrative:
I checked my credit report and notice multiple inquiries that I did not authorize.

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 2023-12-09 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 checked my credit report and notice multiple inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have two creditors saying I have student loans with them. 
One is Navient who said they sold to Aid Advantage Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies XXXX XXXX XXXX XXXX loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXXXXXX  Balance {$3900.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Self Financial Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX i called in to dispute these accounts off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I finalized a Home Equity Option agreement with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. The agreement was subsequently assigned to RoundPoint Mortgage Servicing for servicing of the agreement. Upon request from Roundpoint, I forwarded all evidence of property insurance, including Flood insurance, Condo Unit Owner 's insurance and Condo Master Policy insurance to Roundpoint by uploading unto their website, by email and mailing current copies of each property insurance. In addition to calling, in XXXX and XXXX, and speaking to Roundpoint representative, who assured me my insurance policies were up to date, I also had my insurance providers add Roundpoint on my policies and forward the insurance information directly to Roundpoint. Nevertheless, I continue to receive notices ( first notice received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) from Roundpoint for evidence of insurance and payment for XXXX XXXX. Finally, I called Roundpoint again on XX/XX/XXXX, after receiving the XX/XX/XXXX dated notice. Needless to say, I was very frustrated. The Roundpoint representative hung up on me before I could finish explaining my situation. At first, I thought it was a disconnection, but since I did not receive a call back, I decided to call back once again and was then transferred to the insurance department. After what amounted to be a long wait, the insurance representative got on the line and proceeded to indirectly mock me and my accent; pretending not to hear or understand me. He then placed the call on speaker which caused an echo in the connection. He appeared to be having fun at my expense. I had never had this issue on previous calls, and plan to pursue legal action if this issue persists, and the I continue to receive the harassing notices.

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 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
This company continues to report to my credit report when they stated they would remove all negative and inaccurate information off of my credit files. In previous filings on this company to the CFPB they got in writing and on documents Case # XXXX that they would stop but the credit bureaus continues to report this information damaging credit and my life. I have proof to show how they continue to report an violate in the description below. They also said that they have verified this account as accurate which is in Violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: SC

Complaint narrative:
Submitting this to you serves as a follow-up to ensure the expeditious removal of specific items, particularly the outstanding inquiry, from my XXXX credit report. Enclosed in this follow-up complaint is my FTC Report XXXX XXXX. Kindly review the outlined items for removal in each bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-09 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: GA

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 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