vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: MD

Complaint narrative:
# XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TRANSUNION ACCOUNT STATUS ) *OPEN ACCOUNT* ( CREDITOR ACCOUNT STATUS ) CLOSED CHARGED OFF AS BAD DEBT PROFIT LOSS WRITE OFF* # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION ACCOUNT STATUS XXXX XXXX XXXX  CREDITOR ACCOUNT STATUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( XXXX XXXX A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) also ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) accounts are shown on as XXXX XXXX TRANSUNION. Accounts are reported as an open account status but state that are charged off as bad debt remarks on TRANSUNION comments section. TRANSUNION is a clear evident disregard for the completion of accurate reporting which provides me as a consumer to file an arbitration with the XXXX administration with this evidence of inccacurate invalid and requesting results of imvestigation that have not been provided. TRANSUNION reporting unverfied charged off accounts that are shown as open has an impact to my XXXX and my overall credit rating to my consumer report as a CLOSED ACCOUNT WITH INACCURATE BALANCE, INACCURATE AMOUNT PAST DUE AND MINIMUM MONTHLY PAYMENT. TRANSUNION REOPRTED ACCOUNTS OPEN WITH BALANCE AFTER MY FIRST & SECOND DISPUTES ABOUT THE ACCOUNTS THAT WERE CLOSED AND CHARGED OFF TRANSUNION UPDATED ACCOUNTS TO OPEN BUT STILL REPORT CHARGED OFF. TRANSUNION DID NOT PROVIED ME DETAILED RESUTLTS.

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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

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 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received the decision to request XXXX XXXX XXXX and provide request documents through email on XX/XX/XXXX as requested. To email ; XXXX. 

On XX/XX/XXXX I also uploaded entire documents to SLS portal. Attached are confirmation entire documents were uploaded. 

I received notice on XXXX/XXXX and called SLS on and spoke to XXXX ID No XXXX I was informed nothing was attached in the email. I was explained there is no records of uploaded documents. 

After spending and wasting my time for close to one hour I request to speak to supervisor. I was informed supervisor will call me XX/XX/XXXX hours. 

Its XX/XX/XXXX past 5 days no supervisor has called me. 

CFPB can not letter complaint like this get response only but take to action email conformation state documents were received. 
Uploaded documents were received, and homeowners are threatened with foreclosure by taking advantage of holding deeds.

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 2024-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX, I tendered a securitized instrument, via registered mail, relating to my retail installment agreement, to Capital One Auto Finance and the XXXX XXXX XXXXXXXX XXXX  XXXX, their Indentured trustee. I instructed that the instrument was tendered as pay-off and final discharge of said retail installment agreement. I instructed the company to transfer the security and its proceeds to my Treasury Direct account, per the Electronic Funds Transfer Act. I also instructed, per their own fiduciary duties per the prospectus filing with the XXXX, to confirm discharge and to update my credit report to show " paid in full, as agreed '' Additionally, this security was tendered in good faith according to UCC 3-603, whereby if refused, there is discharge to the extent of the amount of tender. 

My tender of payment was neither honored nor returned to me, which means it was stolen and constitutes SECURITIES FRAUD. They have since continued to attempt to collect payment in the form of FRNs from me as of XX/XX/year>. I am allowing 3 days for an opportunity to cure. Whereby honorable action from Capital One Auto Finance, is demanded, whereby my tendered security, is deposited into my Treasury Direct account, and confirmation of relating retail installment agreement is discharged, reflecting payment in full on my credit report. 

Lastly, I XXXX XXXX, HAVE REVOKED any power of attorney and rescind all security interest in any property or rights belonging to me, the beneficiary, from Capital One Auto Finance for all years and all periods. This is on file with the IRS on form 2848. You no longer have any right to my property, and failure to deposit my funds as directed will constitute both tax fraud and securities fraud. You have three days to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I was sold to Portfolio Recovery Associates , LLC by XXXX XXXX XXXX. I did speak with the company briefly to try and figure out how to handle the debt. We came to an agreement, but the company is not holding up their end of the bargain. They have given me a ultimatum of paying the whole debt with a lesser amount. I couldn't afford it. So we come up with an agreement of XXXX a month which was okay the first year. Lately they have tried numerous times to withdraw money late in the mornings ex : around XXXX and XXXX way after office hours. I have complained several times and talked to several management people about it. Was told they would check it out and get back to me. This has not been done at all. What has been done is they decided to change the rate other than what we agreed upon. I feel this is not fair to me at all. They are trying to railroad me. I do have proof of someone from the company pulling money off my card that I used for payment late hours of the night. When the office is closed. I also received a message stating that I have not made payments since 2023. This is true.Due to feeling like I was being robbed and treated unfairly. I also have proof of them pulling money in wee hours of the night.. Please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-22 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: TX

Complaint narrative:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: PR

Complaint narrative:
Hello, I am writing to have the following information in my file deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: PR

Complaint narrative:
Hello, I am writing to have the following information in my file deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Fuel Capital Group
State: FL

Complaint narrative:
Last year I purchased a XXXX XXXX from XXXX XXXX XXXX I put XXXX $ down when I first got the car I had to get a new transmission and a long the way more problems kept occurring I then stop making the payments for the car because of the issues few months later the car got repossessed and I filled out a affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My other dispute has locked my credit report when I called I was hung up by your automated phone system. I need a copy of my recent report right away per the letter I received from TransUnion that says I need to itemize each dispute, I was mailed 1 form no return postage and no copy of my credit report. This is holding up my credit

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 2024-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone went inside the bank XX/XX/XXXX and withdraw {$15000.00}. Cash from my checking scale. They close up all my accounts. Got my money own hold it been XXXX and a XXXX months. Nobody told me anything. They stop answering the phone. They stop asking the email and they even abandon me from the premises. If I go on bmo  property I will get a Arrested

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 2024-04-22 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:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my 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 2024-04-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX I found 4 accounts on my experian and equifax credit reports that are not mine. And XXXX is correct without these accts. There were also many phone numbers and addresses are not mine. The 4 accts are 2 XXXX credit accts, 1 student loan issued by launch servicing, the creditor of the loan XXXX XXXX  with the collection XXXX XXXX. I opened disputes with them. I contacted all the creditors of the 4 accounts and get the same information : the holder of the account, may or may not be a real person, I do not know, happen to have the same name with mine, similar address with flipped apt #, all other information ( social #, DOB etc ) are different with mine. XXXX XXXX, equifax removed 2 XXXX  accts, but closed my dispute of the acct launch servicing stated it is correct. I had to call and disputed it again. Same day, XXXX removed launch servicing acct. removed 1 XXXX  acct, but on XXXX XXXX closed my dispute of the other XXXX  acct saying it is correct. I again had to call and complain and opened another dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-22 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: GA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX acc # XXXX date opened XX/XX/XXXX XXXX XXXX. acc # XXXX. date openedXX/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 2024-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I.C. SYSTEM INC. has sent a disclosure in their attempts to collect on a debt from original creditor ; XXXX XXXX. XXXX XXXX has charged off and written off this account to be filed as income on a federal income tax. There is no balance for this account. I.C. System is attempting to collect on a debt and obtain money that they are not owed. This is an organized crime, attempting to receive money on an account that has been written off and reported to the IRS. There is no debt or no balance owed to I.C.System, INC. The collection agency is in violation pursuant to the FDCPA and are violating my rights of privacy pursuant to The Privacy Act of 1974. I.C. System Inc is in violation of the following ; 15 U.S.C 1692b ( XXXX ), 15 U.S.C 1692b ( XXXX ), 15 U.S.C 1692d ( XXXX ) and 15 U.S.C 1692d ( XXXX ). I am disputing all parts of this alleged debt. I have no contractual agreement with I.C. System INC that indicates any payment has to be disbursed to your company. I.C.System INC is in non compliance with the FDCPA in illegal practices as there is NO DEBT. I am willing to settle I.C.System INC civil liabilities and damages that you have intended to cause upon me in the amount indicated in the attached documents with this dispute. 

I have attached documentation to this dispute with the disclosure I.C. System INC sent and my correspondence.

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 2024-04-22 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 believe FCRA 605B says we must take out wrong accounts from my credit report. Can you look at the papers? Some accounts listed have wrong details like amounts and dates.

Company response to consumer: Closed with non-monetary relief