vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: PA

Complaint narrative:
XXXX I XXXX XXXX XXXX XXXX XXXX, XXXX Pennsylvania XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX box XXXX XXXX XXXX PA XXXX Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 

THIS IS MY OFFICIAL WRITTEN COMPLAINT! 

XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX  - XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU.

To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 

PLEASE FIX MY REPORT WITHIN 15 DAYS!

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 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We bought a home in XX/XX/2023. The mortgage was with XXXX XXXX XXXX. This loan was sold/transferred/given to Mr. Cooper after a few months. In dealing with XXXX we requested information about adding taxes to the monthly payment. We received the information and submitted our documents and request twice. When we inquired why we received no response and wht the taxes were not added yet they said that the loan was going to Mr. Cooper soon, but that Mr. Cooper would receive our documents ( XXXX would transfer them, is what they promised ). We just called Mr. Cooper after paying them for a few months and not seeing the payment amount change. We have received no information about taxes being added to the payment. It took me 17 ( seventeen ) minutes to try to navigate Mr. Cooper 's customer service number and pressing multiple options to get to a representative. After pressing an incorrect option, the number XXXX, and pound signs probably a few hundred times I spoke to a very uninterested agent who told me that XXXX had not forwarded the information. She said they will send me the information by email and that it may take up to 30 ( THIRTY ) days. I feel very discouraged. These two companies seem uninterested in helping beyond collecting payments. I need XXXX to transfer/send the documents I sent to Mr. Cooper and to start, my taxes in an escrow account. We have lost valuable time. I would fully prefer to have yet another company because I don't believe they are capable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
Unauthorized inquiries appear on 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 2024-06-18 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: WA

Complaint narrative:
I am writing to express my deep concern regarding the persistent violations of my rights under the Fair Credit Reporting Act ( FCRA ) by you guys. Despite my repeated attempts to address inaccuracies related to an XXXX XXXX account on my credit report, You have continuously verified these errors without conducting proper investigations. This has severely impacted my ability to maintain an accurate credit profile and obtain fair credit opportunities. 

XXXX of Disputes : I initially disputed the XXXX XXXX account on XX/XX/year>. The outcome of this dispute was a verification of the inaccurate information. 

On XX/XX/year>, I requested a reinvestigation, clearly indicating the errors in the initial investigation and urging [ XXXX XXXX XXXX ] to re-examine the matter. Unfortunately, the account was verified again without addressing the identified discrepancies. 

On the same date, I raised another dispute, highlighting specific inaccuracies that had been overlooked in previous investigations. I explicitly requested the removal of the XXXX XXXX account from my report. However, once again, the account was verified without a thorough review. 

Subsequently, on XX/XX/year>, I disputed the inaccuracies with additional supporting evidence and proceeded to escalate the issue by filing complaints with both the XXXX XXXX XXXX XXXX XXXX ) and the XXXX XXXX XXXXs office. 

XXXX XXXX : Upon reviewing my most recent credit report, I was alarmed to discover yet another XXXX XXXX account entry with a different account number and numerous inaccuracies. This ongoing mishandling of my credit information is not only unacceptable but also constitutes a significant violation of the FCRA.

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 2024-06-18 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
The debt has been paid and is still being reported as collections. For XXXX XXXX account

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 2024-06-17 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

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 2024-06-18 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: PA

Complaint narrative:
It seems that FCRA 605B obliges us to eliminate incorrect accounts from my credit report. Could you review the documents? Some accounts have been inaccurately reported, with errors in amounts and dates.

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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I opened a XXXX Checking account with Santander on XX/XX/XXXX. I began direct deposit from my employer into this account on XX/XX/XXXX. My XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX paychecks were direct deposited into this account. The only other transactions with this account were withdrawals to my XXXX account where all my investments are held. Sometime in early XXXX I realized I could not log into my account. After a couple of days of attempting, I called Santander and they stated my account was frozen and the only way to get it opened back up was to stop in branch. I escalated the call to a XXXX since I am XXXX hours away from the closest branch. They stood firm that the only way to open my account or get my money is to go to a branch and show them my ID to verify and it would be cleared up. While on a quick trip to Massachusetts on XX/XX/XXXX I stopped into a branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told there that they can not re-open the account and gave me a phone number to their fraud department. I was told to just call the number and tell them I had stopped with my ID and they would re-open it. I left the branch and called the fraud number. They told me I need to go back into a branch and have them call with my ID to verify and open the account. I returned to the same branch in the morning XX/XX/XXXX and the teller called the fraud department. Since she was only a teller they would not let me authenticate her. The banker in the branch refused to see me and call because she was booked for the entire day. I asked to withdraw my money as I have no idea when I will be near a branch again and they would not allow the withdrawal. I have made all the accommodations asked and Santander is being unreasonable. I'm willing to securely send any required documentation via email to verify my identity.

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 2024-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 TO : ALL CREDIT REPORTING AGENCIES RE : Request for Removal of Charge-off and Collections from Credit Report Dear Whomever this may concern, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report, which I believe is not in compliance with the XXXX XXXX format. 

I recently reviewed my credit report and noticed that a debt that has been discharged and for which a 1099-c has been filed with the IRS is still being reported as a charge-off and/or in collections. This debt, in fact, should not be reported in such a manner, as it has been legally discharged and no longer exists. It is my understanding that this incorrect reporting is not in line with the XXXX XXXX compliance guidelines. 

The account in question is XXXX CAPITOL ONE AUTO FINANCE. The discharge of this debt was officially granted on XX/XX/2024 and the 1099-c was filed with the IRS on XX/XX/2024. I kindly request that you investigate this matter and, if my claim is found to be accurate, remove this charge-off and/or collections from my credit report. 

The continued reporting of this discharged debt is negatively impacting my credit score and could potentially lead to unwarranted financial complications for me in the future. I am confident that you understand the importance of accurate credit reporting and will take immediate action to rectify this situation. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT REPORTS, I WILL INVOLVE TAX ADVOCACY SERVICES WITH THE IRS FOR ALL PARTIES REPORTING THIS ACCOUNT NEGATIVELY. 

I am enclosing copies of the discharge and the 1099-c for your reference. Please let me know if you require any additional information to expedite the process. 

I look forward to your prompt attention to this matter. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Discharge/Copy of 1099-c

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: PA

Complaint narrative:
Please delete these inquiries. I have no information about them, and the company acted without my consent.

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 2024-06-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was informed a month after XXXX closed all accounts with the bank I had a balance left. I was to call XXXX have the balance sent via check I call to do so XXXX I'm fully verified through customer service but then I'm sent to the risk protection people whom can't seem to verify me through my number or email I go into an institution and I'm refused help because XXXX XXXX bank of America dont bank with each other anymore. All I want is my balance to be sent to me. I'm tired of all this XXXX every time I call it's harassment and absurd

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 2024-06-17 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-17 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: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
I have an account listed on my credit report ned Southwest credit systems. It says the account was open on XX/XX/year> and the balance is {$550.00}. I have never had a XXXX account in my life. I am a recent graduate from college and I have never worked on my credit because I wasn't taught much. I recently have gotten interested in my credit and wondering what I can do to improve and I see all these random things on my credit. I have tried to contact XXXX but they keep asking me for my account information and I do not have an account so I don't know how to get in contact with a representative. The line eventually hangs up so I am not able to file a dispute through the company directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX XXXX XXXX XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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. Which I have provided all of my 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 non-monetary relief
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.e 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the Iquiries below : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX 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 XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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