vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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: NY

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS.

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XX/XX/2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated

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 2023-11-10 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: PA

Complaint narrative:
Please remove this account from my credit report as it is not associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TN

Complaint narrative:
Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX XXXX has placed an account on my credit. I have disputed this collection several times with the XXXX, XXXX and equifax credit agengies but it has came back as verified on only on equifax. All other credit agencies such as XXXX and XXXX has deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. the creditor has stated they do not have this information and has put this on hold while attempting to gather it. If they do not have this information then why is this being reported on my credit? this is fraud. will need to be removed. Equifax has refused to delete. as of this morning they claim it has came back as verified. I filed a complaint with CFPB and the collection agency responded verifiying that they do not have proof! I will be attaching their response as well. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: TN

Complaint narrative:
Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX has placed an inquiry on my credit. I have disputed this Inquiry with the XXXX XXXXXXXX and equifax credit agengies but it has came back as verified on only on equifax. All other credit agencies such as XXXX and XXXX has deleted as they should have. this is not my inquiry. I've requested that the creditor send me the original contract to prove this inquiry to be mine. the XXXX from XXXX executie office reponded by phone on XX/XX/XXXX twice phone call at XXXX and also another at XXXX on the same days stated they do not have this information. If they do not have this information then why is this being reported on my credit? this is fraud. will need to be removed. Equifax has refused to delete it as of XX/XX/XXXX, this morning they claim it has came back as verified. I filing a complaint with CFPB because XXXX XXXX XXXX Executive Office responded verifiying that they do not have proof! I have not been supplied anything from equifax on how they have validated this when the company has stated that they DO NOT have proof. Equifax supply proof of or the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt/inquiry, nor therefore any such debt/inquiry, in fact exists. This is holding me back from moving forward in life. In no way can this debt/inquiry be mine. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX  issued a {$50.00} invoice for a never used HELOC with {$0.00} balance on it. Despite being set up on auto-pay with XXXX XXXX XXXX and never having a late payment in my life, the bank failed to deduct the {$50.00} charge from my checking account and reported the payment as late on an untouched {$0.00} balance account. Because the account balance showed as {$0.00} online, there was no other way to pay this bill. I contacted the bank in XX/XX/2023 and they agreed to deduct from my linked checking account and they would contact the appropriate credit bureaus to correct their error. They have not done so and it is now negatively impacting my 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 2023-11-10 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-10 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, TransUnion, XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, TransUnion, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-10 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX, Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I have submitted a direct dispute with XXXX XXXX XXXX Equifax providing proof of identity theft proof of address XXXX XXXX XXXX XXXX XXXX  tx XXXX ( documentation attached ) I have submitted a ftc report as well each company have failed to protect my consumer rights and remove the fraudulent accounts and inquiries so as of XXXX XXXX my attorney and I have a civil lawsuit against below companies and I XXXX XXXX is seeking relief to remove all disputes information and prove me with monetary compensation for each cfpb violation XXXX Fraudulent account ( XXXX XXXX XXXX ( XXXX XXXX Inquiries PAYMENT XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax FRAUDULENT ACCOUNTS ( XXXX XXXXXXXX XXXX XXXX XXXX And all inquiries ( asap ) XXXX fraudulent account ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX there was an unauthorized payment made on my account for {$2500.00} out of someone else checking account who made an {$1000.00} payment the week before as a favor. As soon as he called to tell me that {$2500.00} came out of his bank account, I immediately called my point of contact there, explaining the situation & she put in a request for a refund. After the 48 hours I called her to find out the status & she told me it was still pending and for me to email the XXXX department DEMANDING they refund the money. I emailed them 3 separate times with no response, the following day I reached out to my point of contact again & she then tells me it was denied & for me to call & ask for a supervisor, I did that on XX/XX/XXXX which was unsuccessful. They were really rude & she pretty much told me that theres nothing they can do about it because if they refunded it, it would bring me past due which I told them I have the money for a payment, but that Im not paying it until the {$2500.00} payment is refunded. She then tells me to just pay him back.Absolutely not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian, XXXX, XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-10 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: TX

Complaint narrative:
On XX/XX/XXXX I have submitted a direct dispute with Transuion XXXX XXXX XXXX providing proof of identity theft proof of address XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX ( documentation attached ) I have submitted a ftc report as well each company have failed to protect my consumer rights and remove the fraudulent accounts and inquiries so as of XXXX XXXX my attorney and I have a civil lawsuit against below companies and I XXXX XXXX is seeking relief to remove all disputes information and prove me with monetary compensation for each cfpb violation Transuion Fraudulent account ( XXXX XXXX XXXX ( XXXX XXXX Inquiries PAYMENT XXXX XXXX XXXX  XXXX Finance ) XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNTS ( 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 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC
State: KY

Complaint narrative:
I applied for financing of a new XXXX on XX/XX/ @ around XXXX. 
# XXXX The credit application was denied for financing of {$160000.00} An email was sent for confirmation. 
I have spoken personally with the dealership nearby, I have sent notice, and I have made phone calls and emails in regards to this consumer transaction. 
I will continue to attempt gentlemenly conversation so that we can try to work things out, yet a complaint seems necessary. 

This naturally offers no consideration for the use of my credit. It also represents discrimination as well as fraud for the use of my collateral security, while receiving no benefit. 

I have a right to my credit pursuant to 15 usc 1602 ( f ) and equally I have been denied benefits from the use of my credit pursuant to 15 usc 1602 ( p ). 

As the agent on behalf of the Principal, I hereby accept all titles, all rights, all interest, guaranteed equity prevailing. 

Pursuant to the Federal Reserve act section 16 second paragraph, I'm fully aware of the use of my application to be used as a collateral security for Federal Reserve notes. I simply want the terms and instructions applied for as well as proper administration of fiduciary duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
So I just received your response to my CFPB complaint in which you indicated that you would not provide me with proof because of a cease and desist request. First of all I am not a woman I am a grown man and you stated HER that just indicates that your information is totally incorrect. You do even know my gender so how can you say that you have documents to verify this alleged debt. I don't know who this person is that you are referring to when you responded but once again I am demanding you STOP reporting this fraudulent information about me because I will not stop pursuing litigations and I will use these complaints as evidence that you are furnishing inaccurate information against me which is a violation of 15 USC 1692. I have provided evidence that you stated the account meets FCRA requirements but It does 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 2023-11-10 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: NC

Complaint narrative:
This is XXXX XXXX with a dispute for consumer reporting agencies- XXXX, Equifax & XXXX. All 3 CRA 's are reporting inaccurate information- ( old addresses & old employers ) onto my credit report which is a violation of 15 USC 1681e ( b ).

Company response to consumer: Closed with explanation