vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FDR Asset USA LTD
State: TX

Complaint narrative:
I am formally filing a new complaint to request an update to my credit report due to a violation of the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate information that I believe violates my rights under the FCRA. 

Upon reviewing my credit report, I noticed the following inaccurate entry : In an initial complaint filed, the company provided a letter that stated the original debt was for {$2000.00}, but that a payment of {$500.00} was made. 

This entry is incorrect because my credit report reflects the complete amount due instead of the difference after the payment was made. And they state they are the original creditor and per their letter they are not. This is a violation of the FCRA. According to the FCRA, I have the right to dispute any inaccurate or incomplete information in my credit report. Per the FCRA if this has caused me harm, I have the right to seek a lawsuit. This has prevented a loan for a needed surgical procedure. 

I have attached a copy of the company 's letter and my XXXX report showing the debt to substantiate my claim. I am not sure if this company added additional illegal fees to the balance. Nor due I initially received the original documents with my signature on them from the initial complaint. I kindly request that you investigate this matter and update my credit report accordingly. 

Under the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also would like to know if a credit report deletion letter can be obtain should a settlement be reached for {$500.00}. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX XXXX was declared a total loss by my insurance company, XXXX. Thus, my insurance company and Gap coverage sent separate checks to Santander to pay off the auto loan ( ~ $ XXXX ). However, Santander continued to bill me and assess additional late fees. This company refused to work with me when I notified them of their billing discrepancy. Resultingly, Santander lodged a fraudulent campaign against me and my credit worthiness, reporting derogatory remarks to the credit bureaus. Their actions have impacted my life negatively, causing undue XXXX, stress, and severe XXXX. Their aggressive and negative actions have ensued my ongoing financial hardship relative to an inability to receive any other loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request assistance with TransUnion 's refusal to permanently delete adverse accounts from my credit report as per the Fair Credit Reporting Act ( FCRA ) Section 605C. I am a survivor of human trafficking and, as per the protections extended to survivors, I am eligible for these adverse accounts to be permanently deleted.

Despite providing the necessary information to TransUnion, they have not acted upon my request to remove the accounts as required by law. I am seeking your help in ensuring that TransUnion complies with the provisions of FCRA 605C, so that these adverse accounts can be removed from my credit report permanently. 

Please find any additional documentation attached as needed.

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 2024-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I do not accept and cant grant any extension. I have been asking this since XX/XX/XXXX company has failed to provide the explanation nation and resolve the issue. 
This is making it hard to make payments and pay off the loan. After failed attachment from XX/XX/XXXX I finally filed written dispute and was promised XX/XX/XXXX response on XX/XX/XXXX. 
After waiting for few months, I filed dispute with CFPB to get response in 15 Days now this is futile as well. 
However, company chose enter default despite know very well of the dispute and company inability to provide explanation. 
As stated to company in multiple phone conversation no response has been received in 15 days. Therefore, I will mail a check for the entire amount less the interest with draft lawsuit complaint. A complaint will be filed after the check is cleared and jury will have to diced why we must pay $ XXXX interest in XXXX  months and {$490.00} in XXXX  years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Requested debt verification via BBB but I personally have not seen any verification. I tried to contact midland management however the representative would only ask for my information and proceed to deny any help, even after giving my information. The representatives were extremely rude and refused any help. After calling multiple times I was repeatedly hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: NC

Complaint narrative:
I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Accounts : ( XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which XXXX include but are not limited to the following : XXXX. Defamation of character XXXX. Negligent facilitation of identity fraud XXXX. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent items from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past XXXX months of these corrections. 

Thank you for your immediate attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One holds two accounts A Walmart Credit Card and a Platinum Card that are the result of identity theft. 
After discovering these as well as associated contact information ( XXXX. And unknown addresses ) on my credit report linked to these ; I contacted Capital One and filed appeal. 
The agent requested my contact information and explained that its necessary to update the contact information for these fraudulent accounts that were made in my name and with my social ; the fraudulent credit card accounts now have my valid and true information such as address and phone number associated with the accounts I called to report- as the agent updated the contact information for the accounts and stared it necessary. 
The appeal was denied and I received letters stating no error was found ( despite my explaining that no information such as phone number or addresses on thise accounts not belonging to me )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: CA

Complaint narrative:
I am writing to formally dispute an incorrect address that appears on my XXXX credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and XXXX lead to potential confusion or misrepresentation of my credit information. 

Incorrect Address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report XXXX affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Signed up for a citi American airline advantage credit card and completed the spending requirement for the welcome bonus but didnt receive the welcome bonus after three months.

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 2024-11-03 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: NC

Complaint narrative:
I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Accounts : ( XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) Inquiries : ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent accounts from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of these corrections.

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 2024-11-03 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: NC

Complaint narrative:
I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Account : ( XXXX XXXX, Account Number : XXXX ) Inquiries : ( XXXX XXXX XXXXXX/XX/year> ) ( XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) ( XXXX XXXXXXXX XXXX XXXXXX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent items from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of these corrections. 

Thank you for your immediate attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX- classified on report as rental or leasing - amount owed XXXX amount XXXX. I assume no liability or responsibility for this account. my information was exposed in XXXX data Breach as a result i have had identity theft and accounts appearing on my TRANSUNION credit file that is not mine AND I ASSUME NO RESPONSIBLITY OR LIABILTIY I requested this item be blocked by TRANSUNION in XX/XX/year>, TRANSUNION denied request even though i had FTC ID THEFT REPORT WITH DISPUTE, i then asked TRANSUNION for A METHOD OF VERIFICATION WHICH I WAS TOLD I COULD NOT BE PROVIDED TO ME. 
XX/XX/year> TRANSUNION recieved yet another FTC REPORT REQUESTING TO BLOCK XXXX XXXX XXXX DBA XXXX XXXX FROM MY FILE. THIS REQUEST HAS ALSO BEEN DENIED. 

I am reporting id theft from the TRANSUNION breach and TRANSUNION refuses to assume responsibility and up hold my request. I also requested ALL REPORTING FROM THIS CREDITOR CEASE AND TRANSUNION STILL ALOWS THIS COMPANY TO REPORT MY ON MY FILE AND HAVE ACCESS TO INFORMATION WHICH I HAVE DENIED THEM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: TN

Complaint narrative:
XXXX XXXX placed collection on my credit report, removed it, and then placed it back in without properly notifying me. Transunion and XXXX should have sent me a letter notifying me that this was placed back on 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 2024-11-03 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding placed collection on my credit report, removed it, and then placed it back in without properly notifying me. XXXX and XXXX should have sent me a letter notifying me that this was placed back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: PA

Complaint narrative:
I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries

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 2024-11-03 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: PA

Complaint narrative:
I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries

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 2024-11-03 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: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your services could fax, mail or email in fraudulent accounts. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed on my Equifax and XXXX Credit Report. 
I demand that the following accounts be validated or DELETED from both my Equifax and XXXX credit report immediately : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief