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

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

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 2024-08-08 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: MD

Complaint narrative:
these inquiries are unauthorized and theyre not related to any transaction by me. 
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/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 2024-08-08 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: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-08 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: TN

Complaint narrative:
on XXXX when I received my report all 3 credit reporting agencies were not showing my home mortgage that I have had since XXXX and showed a collection from XXXX XXXXXXXX XXXX XXXX XXXX, I disputed that item with all 3 agencies ( Experian, XXXX, and XXXX ), XXXX corrected and removed the collection and started to report my mortgage as a new loan that started on XX/XX/XXXX and the other 2 agencies ( XXXX and Experian ) continued reporting the collection as they were reporting before and started to report my mortgage as of XX/XX/XXXX, I filed an complaint with CFPB last year and after a few months effort it did not get resoled and they still reporting a collection that do not have no signature of mine or a correct date of birth or address.

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 2024-08-08 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: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, CAPITAL XXXX AUTO FIN XX/XX/XXXX, CAPITAL XXXX AUTO FIN XX/XX/XXXX, CAPITAL XXXX AUTO FIN XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, COMENITYBANK/KAY XX/XX/XXXX, COMENTIYBANK/JARED XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX CREDIT XXXX BANK NA XX/XX/XXXX, CREDIT XXXX BANK NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, NCCINC/CHAPMAN XXXX OF XX/XX/XXXX, NCCINC/CHAPMAN XXXX XXXX XX/XX/XXXX, ONEMAIN XX/XX/XXXX, XXXX XX/XX/XXXX, P XXXX XXXX C U XX/XX/XXXX, XXXX XXXX XXXX XX/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 2024-08-08 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: CA

Complaint narrative:
Ive been trying to remove this account from my credit after i found out that my ex roomate had used my information to open an account without my knowledge. The creditor nor the bureaus have been helpfull

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 2024-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: NE

Complaint narrative:
In XXXX we enter into XXXX XXXX bankruptcy. We were discharged in XXXX. In the final year of our XXXXXXXX XXXX Fay begin a series of errors that was promptly brought to their attention through Notices of Error letters. Errors such as inaccurate monthly statements, using pre-petition money paid through the Trustee to pay ongoing post-petition mortgage payments, inaccurate arrears balance, inaccurate amount paid during bankruptcy, principle reduction payments, and making payment changes without the court or the Trustee approval. In XXXX of XXXX Fay declared that we were more than {$11000.00} in post petition arrears because of the mistakes that they made in misusing per and post petition funds. We made every payment per statement. We would receive a statement in XXXX that was due until XXXX because of this misapplication. These errors jeopardized our bankruptcy discharge. The Judge, in order to give us the discharge we worked so hard and sacrificed so much for suggested that Fay Modify the pre-and post- petition debt and granted them relief from stay for the expressed purpose of communicating with us to modify the debt. On XX/XX/XXXX we entered a temporary modification with the promise of a permeant modification if we made all the payments. We made three payments before receiving a phone call in XXXX of XXXX from a XXXX XXXX from Fay Servicing informing we that we met all the requirement for the permanent modification and that the documents were being prepared and we should get them shortly. We never stopped making our payments. XXXX called later asking if we received the modification documents they sent. I told him no we didn't. He promised to re-send them. To this day we have not receive a permanent modification So we kept making our payments. Fay returned our XXXX payment stating that we were in default some {$40000.00}. We have spent over five years of our lives to get back on track and now because of Fay Servicing errors we are in no better shape than we were over five years ago. Even before the {$11000.00} in XXXX of XXXX Fay should have alerted us of 45 day delinquency. They did not. At our age, we just want to be treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
BALANCE XXXX PURSUANT TO 15 USC 1692 IT IS ILLEGAL FOR A COLLECTION AGENCY TO BUY A DEBT AND COME AFTER THE CONSUMER FOR IT I DID NOT CONSENT TO THIS AND THE HARASSMENT I DO NOT KNOW WHO THEY ARE AND HAVE BINDING CONTRACT WITH THEM PLEASE COMPLETELY REMOVE FROM MY CREDIT REPORT.

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

Complaint narrative:
Please take this complaint seriously as this is stressing me out and making me anxious, today as I was checking my credit report - I noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up 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 2024-08-08 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-08-08 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: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 
Barclays # 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 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One Auto Finance paid XXXX XXXX XXXX XXXX located in XXXXXXXX XXXX to repossess my car in the early morning. After finally being able to get an appointment time, they purposely made me wait over 1 hr to receive only HALF of my property. During the phone call when I was trying to get an appointment, the Supervisor XXXX who thought she had the phone on mute called me the XXXXXXXX lady and then the person who checks you in when you arrive named XXXX found that funny and laughed at her calling me XXXX when I arrived. After they purposely made me wait 1 hr, they asked for the key to get in my trunk, but my trunk is jammed so they told me to contact my finance company regarding the rest of my belongings stuff in the trunk. When I called Capitol One, the rep told me that I should file a police report and I was finally able to speak with a resolution personnel who spoke to my mom because the phone call became too overwhelming for me and she wasn't helping me. 

I am worried because I have paperwork and work uniforms in my car and I don't want those items to get in someone hands who will use my information/belongings in the wrong way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: KY

Complaint narrative:
On My credit Report Self Lender has Incorrect information Reporting. ( 1 ) Accounts Numbers are Different.. ( 2 ) its Reporting Closed and on XXXX its Reporting Paid. ( 3 ) Open Date are different!! XXXX Open XX/XX/XXXX XXXX Open XX/XX/XXXX and I have asked them to Fixed 2 times already and they Just totally Removed the account from XXXX company!!! Please me get the account to Current Never paid my account late!!

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

Complaint narrative:
My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 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 2024-08-09 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: I.C. System, Inc.
State: TX

Complaint narrative:
I am seeing inaccurate information from my report and i want it to be removed

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 2024-08-09 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: CL Holdings LLC
State: TX

Complaint narrative:
I am seeing inaccurate information from my report and i want it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

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

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting XXXX XXXX  Account number # XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry Date XX/XX/scrub>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 2024-08-08 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting XXXX XXXX Account number # XXXX Delete this account. 
2.12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry Date XX/XX/scrub>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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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