vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: MD

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-09 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: MD

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing this request to CAP ONE AUTO that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2024-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please see attached documentation to meet demands in a timely fashion. 

PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!

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 2024-01-09 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Newrez corporation is reporting a loan payment as late when it wasn't. There was a clerical error that easily could have been adressed by NewRez if they wanted to but Newrex decided that the payment was XXXX days late and past XXXX  days was late. On XX/XX/XXXX, I electronically sent a payment through my bill pay system to Newrez and they dedided not to process it in time and instead at XXXX time decided to go out and try to harm my credit and all they wanted to do was to make sure they received a late fee, But, that's not all. They lied as said they tried to give me a heads up by phone, which was false. They did send a letter on XX/XX/XXXX that arrived on XX/XX/XXXX, so that I didn't have a chance to correct the error in time. I told them that I was on a fixed income and was retired and damaging my credit would really hurt me. And even though I immediately via phone sent another payment to Newrez at XXXX the day I received the letter, they're rude customer service didn't care.Their strategy is to harm your credit, so they you can go to another company and they can then practice preditory loaning practices, I will lastly add that I have perfect credit and was never late on payment to them, DO NOT DO BUSINESS WITH THESE GUYS!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
On XXXX I FILED CFPB COMPLAINT AGAINST XXXX ON SPRING APARTMENTS AND XXXX XXXX XXXX  AND CITED In XX/XX/ I called XXXX XXXX XXXX ( A collection company ) requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, XXXX, and Transunion requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/2023, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. XX/XX/ I mailed XXXX, XXXX, and Transunion demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX services despite the fact that I have yet to be sent proof of the original contract for this alleged debt. This company is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).

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 2024-01-09 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: TX

Complaint narrative:
On XX/XX/ I FILED CFPB COMPLAINT AGAINST XXXX ON XXXX XXXX AND XXXX XXXX XXXX AND CITED In XXXX XXXX  I called XXXX XXXX XXXX ( A collection company ) requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, Equifax, and XXXX requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XXXX XXXX XXXX wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. XX/XX/ I mailed Equifax, XXXX, and XXXX demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX services despite the fact that I have yet to be sent proof of the original contract for this alleged debt. This company is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/ I FILED CFPB COMPLAINT AGAINST XXXX  ON XXXX XXXX AND XXXX XXXX XXXX AND CITED In XXXX XXXX  I called XXXX XXXX XXXX ( A collection company ) requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to Experian, XXXX, and XXXX requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. XX/XX/ I mailed XXXX, Experian, and XXXX demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX services despite the fact that I have yet to be sent proof of the original contract for this alleged debt. This company is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).

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 2024-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I went to purchase a vehicle and was approved for a loan. The dealer required me t get insurance but did not include that amount in the Truth In Lending Statement/Finance Statement in violation of 15 U.S. Code 1605. In addition, the dealer failed to mention that there were problems with the transmission as they had already known this information. The truck has major jerking problems, the transmission slips, and sometime stalls. This was known prior to selling me the vehicle. I was also approved by the lender for credit, and then I was required to put a down payment down in the amount of {$3000.00} when other people with the same credit were not required to put a down payment down. Twenty days passed and they did not respond to my rescission letter. Other purchasers with similar credit were offered more favorable terms and interest rates than I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: MD

Complaint narrative:
I have been recently informed that there is negative information reported by Identity Theft Account Name : XXXX XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX The following information is incorrect XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Theft Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity XXXX Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXXXXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The following information is incorrect Address : XXXX XXXXXXXX XXXX XXXXXXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX Account Number XXXX XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I obtained an XXXX account to monitor my credit report. After evaluating my report I noticed that I have hard inquiries on my report pertaining to XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. After no resolution, I am filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio recovery calling from random Ohio phones number multiple times a day for the past 3 months. This company is no longer on my credit report it has been dropped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: TN

Complaint narrative:
Reporting wrongful information please correct this issue immediately or delete off my credit 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 2024-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Checked my credit report to make sure everything was complete and accurate on my credit report when I went to the hard inquiries section I noticed there were some hard inquiries I didnt authorized I sent letters to all 3 credit bureaus XXXX XXXX and transunion informed them these are unauthorized and I did not do and it is still not removed from my credit report I dont know whats going on I dont know if theyre working but it is still on my report and it shouldnt be

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 2024-01-09 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Checked my credit report to make sure everything was complete and accurate on my credit report when I went to the hard inquiries section I noticed there were some hard inquiries I didnt authorized I sent letters to all 3 credit bureaus equifax XXXX and XXXX informed them these are unauthorized and I did not do and it is still not removed from my credit report I dont know whats going on I dont know if theyre working but it is still on my report and it shouldnt be

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am attaching the Original document from XXXX XXXX and XXXX which provides direct evidence that I was not in Foreclosure when Americas Servicing Company received my loan from XXXX. I was illegally placed in Foreclosure during the Housing Crisis and the issue was NOT RESOLVED PROPERLY BY WELLS FARGO HOME MORTGAGE.

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 2024-01-09 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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