vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly de
lete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2024-11-29 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Titan Solutions Group LLC
State: TX

Complaint narrative:
A gentlemen has been repeatedly calling and emailing me about a debt I owe from borrowing money from an e-money service that I do not recollect borrowing from. He insists I need to pay him {$1000.00} and says I have XXXX hrs. I proceeded to call his bluff and he told me my SSN, so he has access to my PII without me giving it to him. 

He claims he is with Titan Solutions Group LLC ( https : //titansolutionsgroupllc.com/ ). The website does not state what the business does, only a link to create an account and pay them. No terms of service in the website and typos and misspellings that lead me to believe it is a man posing as a debt collector from a fake company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XX/XX/XXXX - TD Bank USA states over the phone in a phone call to me that they failed to report my credit to any credit bureau in the last XXXX years of my account being open with them. They confirm that they have the correct SSN on file but are not reporting the amount. 

XX/XX/XXXX - After multiple calls with TD bank USA, they inform me that I need to send a consumer request form to them in order for them to fix the problem. They refuse to fix the problem without this form despite knowing the issue and the solution to the problem. They refuse to mail the form on my behalf and force me to mail the form. The form is mailed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-11-30 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:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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

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 2024-11-30 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : and XXXX XXXX XXXX Account has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maury Cobb, Attorney at Law, LLC
State: TN

Complaint narrative:
Law offices of Maury Cobb/ XXXX are pursuing collection for a debt already paid. XXXX shows the account open and unpaid. This is incorrect. The account was paid in full to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: CT

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
Consumer complaint received 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
Repetitive emails and daily demand from.a company called XXXX and some type of clearance recipients about {$500.00} worth of XXXX that needs paid. 

But receiving breach letters from the U.S. Department of Health and Human Services, and on The City of XXXX, Ohio XXXX, Public Resident site that my name and current address owned but relocating due to severe handicap and invasion of Privacy in Changing areas, repeating by neighbors of financial issues and Hippa issues. Awaiting ADA Wheelchair Accessible unit and major XXXX locally. I'm broke preparing for a nursing home and under penalty of perjury have made no contact whatsoever with any company, XXXX about a sizeable amount of cryptocutrency or XXXX I'm looking for housing only. I am behind : Defrauded or Identity thefted. My purse coincidentally was stolen by a neighbor XXXX XXXX XXXX  and started a home health agency and caseworker around XX/XX/year>.

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 2024-11-29 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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX XXXXXXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

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 2024-11-29 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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX XXXXXXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

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 2024-11-29 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WV

Complaint narrative:
NewRez mortgage company has raised my payment because of their lack of details on my loan. They didnt pay my escrow and my property was sold at auction. They now will not speak to me because I hired my lawyer to get them to pay the past due balance, although they paid it on XX/XX/XXXXXXXX XXXX XXXX it was due again on XX/XX/XXXX again and havent paid that. I tried to have my property replated but couldnt because I technically didnt own it. I had someone that was going to buy a few acres of my property and now they backed out because I couldnt legally sell what wasnt mine at that time. They messed up on their end after it was sold to them and are holding me responsible for there XXXX up. I was trying to build a house but cant when XXXX behind on taxes and they wont pay it. They are also sending all my personal financial statements to my lawyer instead of 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To The Capital One Case Management Team, aka Team of Losers : Re : Accounts ending in XXXX and XXXX Case : XXXX In the past I have tried to have a productive conversation with Capital One 's executive office many times, but no more. I don't want to waste my time justifying and explaining myself to these XXXX XXXX people at Capital One anymore, because I have better things to do in life unlike these XXXX XXXX XXXX working at Capital One executive office. 

I am just sick and tired of these XXXX XXXX  XXXX people working at Capital One head office. These XXXX XXXX  people at Capital One head office spent XXXX to XXXX dollars on a XXXX priority mail to collect XXXX dollars from me. This is a clear indication that Capital One 's XXXX XXXX employees are acting from an ego standpoint, they just spent wasted XXXX to XXXX dollars of the bank to send me a priority mail with full of threats in order to recover XXXX dollars. Grow up, XXXX  capital one employees, even a five-year-old would have better brains than you all XXXX people. 

It's funny, Capital One keeps threatening me in their letters every time that they won't let me do business with them anymore. Who the XXXX wants to do business with you guys! To these XXXX XXXX  people at Capital One, " You are not the only bank in this country you XXXX XXXX  '' I know these XXXX Capital One head office people have difficulty understanding English language just like their XXXX call center operators. If you guys understand English at all, lets set this straight for the final time- I don't owe any money to Capital One I have tangible proof to that, and so I am not paying a single more penny to Capital One in this lifetime. If I really had the intention to pay XXXX dollars to Capital One I would have paid it long time ago, but I don't succumb to XXXX crooks. Capital One is more than welcome to take me to the court, report me to the police, report me to the XXXX, report me to the military, basically Capital One is more than welcome to do whatever the XXXX  they want, I am NOT going to pay a single more penny to Capital One. 

So, Capital One 's stupid XXXX head office people should stop wasting the bank 's money sending me threatening mails. These threatening letters from Capital One to me it's like junk mails, it goes straight in the trash. But today I made an exception, today I was running short on toilet paper so I used the Capital One 's threatening letter to wipe my XXXX and then flushed it into the toilet bowl. 

In short, XXXX XXXX Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
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 I am writing in response to your recent communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I formally request validation of the debt to ensure its accuracy and validity. Additionally, as this information may be reported to credit reporting agencies, I invoke my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) to dispute inaccurate or unverifiable information.

Details of the Debt : 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 Request for Validation : I request the following information to validate the debt : 1. Proof of Debt Ownership : Documentation that shows you have the legal right to collect this debt.

2. Account Details : Copies of any signed agreements or contracts that show I am obligated to pay this debt.

3. Detailed Accounting : A full breakdown of the amount owed, including the original amount, interest, fees, and other charges.

4. Chain of Ownership : Documentation showing how the debt was transferred or sold, including proof that your agency has the legal right to collect it.

FCRA Compliance Request : If this debt is reported to any credit reporting agency, it must comply with the FCRA, which requires : 1. Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : You and any credit reporting agencies must ensure the information being reported is accurate.

2. Dispute Resolution ( 15 U.S.C. 1681i ) : If I dispute this debt with the credit reporting agencies, you must provide verification of its accuracy or request its removal.

Cease Reporting Until Validation is Provided ( 15 U.S.C. 1692g ( b ) ) : Under the FDCPA, you are required to cease collection and reporting activity until the requested validation of the debt has been provided to me.

Failure to comply with these requests and legal obligations may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the attorney generals office in my state.

Please provide the requested information in writing within 30 days of receipt of this letter. I reserve the right to take further action if the debt is not validated or is improperly reported.

Thank you for your attention to this matter. You may contact me in writing at the address listed above. 

Sincerely, [ Your Full Name ]

Company response to consumer: Closed with explanation