vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
I will attach the documentation I sent to Transunion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is the response I received each time from Transunion via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Response from Transunion : We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repairletter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you XXXX contact us by phone at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: MN

Complaint narrative:
I reached out by mail to companies listed on my credit report for validation of debt, they have yet to respond. It has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
On XX/XX/XXXX, I was contacted regarding a debt for rental collection that I did not assume. I sent a cease and desist letter to the company, COLUMBIA DEBT RECOVERY LLC DBA GENESIS. They continue to contact and harass me. The debt is in reference to an apartment rental in XXXX, GA. I have never been a resident of the state of Georgia nor the City of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This collection that is called Transworld Systems, with a debt of XXXX. The FCRA protects information collected by consumer reporting all agencies. It is designed to promote Accuracy, fairness, and privacy information. The XXXX XXXX XXXX XXXX XXXX  violated the law because I have no knowledge of this account nor have I ever lived there in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Fraudulent account opened without any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-02-14 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: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I AM A VICTIM OF THE XXXX XXXX BREACH AND I HAVE MULTIPLE CREDIT CARD ACCOUNTS THAT WERE FRAUDULENTLY OPENED IN MY NAME WITHOUT MY KNOWLEDGE AND CONSENT. THE CREDIT CARDS ARE AS FOLLOWS : COMMENITY BANK - FOREVER 21 - COMMENITY BANKD -ULTA- COMMENITY BANK -NEW YORK- COMMENITY BANK- LANE BRYANT- XXXX - THESE ACCOUNTS HAVE GONE INTO CHARGE OFFS IN MY CREDIT REPORT. 
I HAVE WRITTEN SEVERAL LETTERS TO ALL THREE CREDIT BUREAUS TO REMOVE SAID ACCOUNTS WITH NO RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
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: IL

Complaint narrative:
To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received a letter from Well Fargo regarding them signing me up for identity theft protection, which they are supposed to refund. I called them XX/XX/XXXX spoke with XXXX and she said I would receive a check in 20 days. I never received a check. I called again on XXXX and spoke with XXXX he said that the prior agent didn't request the check, but he would and wait another 20 days. I still have not received a check.

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 2024-02-14 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: HI

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

Heres the list of the questionable items : XXXX XXXX  - Account XXXXXXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX XXXX  - Account 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 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MS

Complaint narrative:
On XX/XX/XXXX I received notice that XXXX reported a collection on my report from Jefferson Captial System for XXXX. 
I never received any information from Jefferson for to validify this debt. 

This is the 3rd collection company that have purchased this debt, and no one can verify the alleged debt. CFPB case XXXX with XXXX XXXX was closed and removed from my report because it was NOTverified, fast forward 2 years later it is purchased again with Jefferson Capital System . How many times can this alleged account be purchased and not required to provide proof as stated as my right under 15 USC 1692g Sec. 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
on XX/XX/XXXX I made a payment via phone on my mortgage. It asked if I wanted it to come from my bank account on file. I have used this procedure with my horrible mortgage company, Selene Finance for over 2 years with no problem. My bank account has not changed in that time. A few days after I make a payment Selene sends me a letter recording my one-time payment. I received one after my XXXX payment. 
I noticed right after XXXX that the money still had not bern taken from my account. I called Selene ( always a recording ) and it stated my last payment was on XX/XX/XXXX. I thought maybe it was just weird because of XXXX. By XXXX, still nothing out of my account. I called Selene and got the same recording. 
On XX/XX/XXXX I received an alert that my CREDIT SCORE WENT DOWN ALMOST 70 POINTS because of a no mortgage payment. After trying many times to get through to an actual Selene person I finally went to my bank to request its intervention. 
Since then, my bank XXXX XXXX XXXX, has communicated with Selene via email. Selene admitted that the bank account it was attempting the XXXX withdrawal from was incorrect but they did not know why the company had it wrong. A person named XXXX in the Escalation Dept at Selene has lied and told XXXX several times that she is researching the issue and attempting to call me three times. I have no missed calls or voice mail messages from Selene or a XXXX. There is no personal number for any XXXX, so I can only call the general number, go through several recorded steps, finally press XXXX and sometimes someone answers. 
Twice I have gotten through. Once on XX/XX/XXXX and today XX/XX/XXXX. BOTH calls were not answered by a XXXX. Once I got a XXXX. Today a gentleman without a name. BOTH times my experience was as follows : Person says who is XXXX. 
They look at their notes on my case and day she must be from the escalation dept. 
I ask to be connected and am told they can not do that but have to send her an email to respond. 
I get put on hold 3-4 times with the person telling me XXXX is not answering. 
I ask for someone else in that dept and they say they cant do that. 
After 20, 25 min of this Selene Finance line cuts out and the line goes dead. Today i was also told that XXXX said she tried to call you yesterday To repeat : I have no missed calls or messages from a XXXX. 

I have docs to submit but am out of town and can not do it until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: MO

Complaint narrative:
When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form. 
XXXX XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been going back and forth with the agencies trying to right the numerous fallacies that are being reported on my credit. This issue has been long standing for many months and items have been added without any approval or knowledge of accuracy. I am taking legal action now as I can not sit by and let the agencies continue with this fictitious 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 2024-02-14 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-14 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: OH

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 2024-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
THIS IS NOT A DUPLICATION BUT A NEW COMPLAINT OF ISSUES THAT OCCURRED AFTER I FILED THE FIRST COMPLAINT. 

I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Just professional courtesy please and thank you. 

Related to Complaint number XXXX I am writing to bring to your attention ongoing issues with my mortgage servicer, Freedom Mortgage , and to seek the assistance of the Consumer Financial Protection Bureau XXXX CFPB ) in addressing these concerns. On XX/XX/2024, I emailed the CEO and the teller concerning the correspondence I received from Freedom Mortgage dated XX/XX/2024. In this letter, there were numerous inaccuracies and misleading statements, including the assertion that my " package '' was sent to loss mitigation assistance and subsequently to underwriting. This is particularly concerning given that there are no modification programs suited to address VA mortgage issues, and a new VA modification program has not been announced for VA-backed mortgages. Despite my request for an accurate and detailed letter outlining the current status of my situation, Freedom Mortgage has yet to respond. Furthermore, the law firm representing Freedom Mortgage filed to vacate the Final Foreclosure, and I have yet to receive a copy of an executed New Jersey XXXX XXXX XXXX XXXX XXXX 's order to vacate. To my dismay, upon checking XXXX  on XX/XX/2024, my home at XXXX XXXX XXXX XXXX XXXX NJ XXXX was still listed on the foreclosure list. This oversight by Freedom Mortgage is not only embarrassing but also damaging to my personal and professional reputation. I demand the immediate removal of my home from all foreclosure real estate listing companies. Despite receiving correspondence from Freedom Mortgage that gives the appearance of communication, the only response I've received is from the above CFPB complaint ( XXXX ), riddled with untrue statements. This lack of accurate and transparent communication is deeply concerning, especially considering my health challenges, which include multiple XXXX XXXX XXXX XXXX and ongoing battles with XXXX illnesses. I am not seeking to be difficult but rather to ensure that Freedom Mortgage fulfills its obligation to provide clear and truthful information to its customers. Given the ongoing challenges, I am requesting the CFPB 's assistance by assigning a monitor to ensure Freedom Mortgage refrains from retaliatory tactics and focuses on providing valuable service to a XXXX veteran homeowner. I appreciate your attention to this matter and your assistance in resolving these issues promptly. Sincerely, 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 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Ive had called the company about the debt I have never took out and have asked for the fraud packet which they have said theyll send it out multiple times with not one being sent out. They even have it filed as fraud

Company response to consumer: Closed with explanation