vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
Per 15 USC 1681 it is an essential and grave responsibility to both the consumer and banking system that the credit reporting agencies produce accurate and fair reporting. I recently submitted disputes which resulted in corrections, only to have the inaccurate data returned to some if not all three of the credit reporting agencies. As articulated in 15 USC 1681, these agencies assume a vital role in the mechanism for evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living as a consumer. Therefore, each reporting agency should match data with precision. Particularly when all three form the coveted FICO score.

1681e. Compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have ONE name. However, XXXX publishes ( XXXX ) XXXX incorrect versions of my name. Transunion publishes ( XXXX ) incorrect versions of my name. XXXX publishes ( XXXX ) incorrect versions of my name. 
Over the last ( XXXX ) XXXX years, I have had only XXXX addresses. XXXX are current, XXXX is not mailable there are incorrect XXXX with XXXX, XXXX with XXXX, XXXX with Transunion never associated with me. 

For the last ( XXXX ) years, I have had the same and only phone number for both business and personal For the last ( XXXX ) years, I have had XXXX employer. XXXX lists XXXX Employers. XXXX and Transunion list antiquated/obsolete employer information from more than 15 years ago. 

Furthermore, Transunion reports that public records show my residential information as being a home assessed at {$290000.00} with 1968 sqft. I have never owned a home assessed under {$450000.00} nor smaller than XXXXXXXX XXXX XXXX However, my company does XXXX XXXX XXXX transactions of all kinds and my name is associated with the sale of many homes owned by other parties. How dangerous is it to the credibility of these reporting agencies that my personal value be assumed by the value of property my company is hired to market? 

Any public personal information contrary is inaccurately reported data, as is any information beyond XXXX years old.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Per 15 USC 1681 it is an essential and grave responsibility to both the consumer and banking system that the credit reporting agencies produce accurate and fair reporting. I recently submitted disputes which resulted in corrections, only to have the inaccurate data returned to some if not all three of the credit reporting agencies. As articulated in 15 USC 1681, these agencies assume a vital role in the mechanism for evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living as a consumer. Therefore, each reporting agency should match data with precision. Particularly when all three form the coveted FICO score.

1681e. Compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have ONE name. However, XXXX publishes ( XXXX ) XXXX incorrect versions of my name. XXXX publishes ( XXXX ) incorrect versions of my name. Equifax publishes ( XXXX ) incorrect versions of my name. 
Over the last ( XXXX ) XXXX years, I have had only XXXX addresses. XXXX are current, XXXX is not mailable there are incorrect XXXX with XXXX, XXXX with Equifax, XXXX with XXXX never associated with me. 

For the last ( XXXX ) years, I have had the same and only phone number for both business and personal For the last ( XXXX ) years, I have had XXXX employer. XXXX lists XXXX Employers. Equifax and XXXX list antiquated/obsolete employer information from more than 15 years ago. 

Furthermore, XXXX reports that public records show my residential information as being a home assessed at {$290000.00} with 1968 sqft. I have never owned a home assessed under {$450000.00} nor smaller than XXXXXXXX XXXX XXXX However, my company does XXXX XXXX XXXX transactions of all kinds and my name is associated with the sale of many homes owned by other parties. How dangerous is it to the credibility of these reporting agencies that my personal value be assumed by the value of property my company is hired to market? 

Any public personal information contrary is inaccurately reported data, as is any information beyond XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/15 while reviewing my credit report I Noticed 3 accounts of Alleged debt by LVNV Funding LLC .I have no Knowledge of this and have never done business with this company.Ihave previous requested that LVNV show validation of these alleged debt between us.

The 5 standards set by 15 USC 1692 ( a ) and1692 ( b ) have not been meet .I am demanding u cease from all form communication with me through any and all mediums persuant to15 USC 16929 ( c )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Mortgage — Conventional home 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
Thanks for your time and diligence. With my deepest regret doing business with OCWEN/PHH Mortgage company for their blatant discriminatory approach not allowing me to attempt a SHORTSALE on my property/Review my short sale application- we believe and equally feel unfairly treated and not given an appropriate chance at short sale review. 
Unfortunately i was approved for a short sale during the XXXX period but the purchase had taken XXXX and XXXX  of XXXX related XXXX  before closing. Therefore we were unable to close the transaction/sale of the property. 
OCWEN/PHH continue to hold me accountable totally insensitive of the circumstances leading to incompletion of the sale- a situation out of control.

I truly need this note to be reconsidered for a short-sale/re-open my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
Portfolio Recovery Associates called me at an absolute number for an unknown person, most likely a debt collection. I informed them that, this was my new number and they were calling the wrong person. I unfortunately also called them from my other number to again inform them to stop calling me. They added that number to their people to harass list and now call both numbers often more than once a day. They will not leave a message or identify why theyre calling or who theyre attempting to contact. I believe that this tactic is widespread and that are likely harassing many, if not thousands of people using obsolete information and phone numbers in violation of the Do Not Call list and legal debt collection practices.

I suspect many do not call list violation complaints are not being completed because the complainant selects debt collection as type of call even though there is no valid for debt collectors to be calling that person or their phone number. This results in the do not call complaint not being placed. 

My previous complaint was terminated because I had used a temporary email address. I have a corrected that. 

They use multiple numbers to call to harass me here is some of them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: SC

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed 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 2024-08-15 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: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my 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 2024-08-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I spoke with my credit card company, and told them that could not continue to charge me a late fee {$41.00} monthly, and that this law was past this XXXXXXXX XXXX XXXX. 

The supervisor said that they will continue to charge late fees if I am late. Something/someone need to look in the practices of this credit card company. 

The credit card company is Total Visa.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: MI

Complaint narrative:
To whom it may concern : paramont Recovery System This complaint is regarding account # XXXX, which you claim I owe {$560.00} for a collection account. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collections agency can not place a collection on a consumers report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the CFR, FCRA and FDCPA : therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX was never late XXXX I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Never Sent the XXXX statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-08-14 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: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a XXXX credit card and was denied for my personal credit score. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). CHASE has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter sent me is both a proof and evidence that I have been discriminated against, CHASE is also criminally liable. CHASE should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: FL

Complaint narrative:
UNKNOWN INQUIRIY FROM XXXX XXXX XXXX. ON XX/XX/XXXX UNKNOWN INQUIRIY FROM XXXX XXXX XXXXXXXX ON XX/XX/XXXX I NEVER APPLIED FOR CREDIT WITH THESE COMPANIES LAST XXXX OF SS 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 2024-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
To whom it may concern : This letter is a formal XXXX  under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) XXXX XXXX XXXX et seq. that you are reporting inaccurate credit information. 
After a careful review of my XXXX XXXX it has come to my attention that there are several inaccurate listings contained in my XXXX XXXX The accounts listed below are incorrect and several are outdated. The following accounts need to be investigated immediately to reflect my truthful credit history. If any accounts listed below can not be verified they should be deleted from my XXXX XXXX  as soon as possible. 
I was very upset when I discovered that you have included the information I have specified below in my credit profile which has resulted in my XXXX XXXX being negatively impacted in a major way. As I am sure you are aware, the FCRA requires you to properly investigate any debt XXXX. I am sure that the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
Because of the mistakes on my XXXX XXXX I have been wrongfully denied credit recently which was extremely XXXX  and has negatively XXXX  my lifestyle. 

My rights were violated under Laws : XXXX. XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I, XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) and XXXX XXXX XXXX. 


I was NEVER given the option to opt out from having my information to third parties which include but are not limited to the following entities and I did not receive Form XXXX from any XXXX

Company response to consumer: Closed with explanation