vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: AZ

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NY

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: OH

Complaint narrative:
Subject : Revocation of Consent and Assertion of Rights under Fair Credit Reporting Act ( FCRA ) I am writing to you to assert my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations concerning the handling and dissemination of my private information. 

As per 15 USC 1681 section 602, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Moreover, 15 USC 6801 underscores that financial institutions have an ongoing obligation to safeguard the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish consumer reports solely in accordance with the written instructions of the consumer. I want to clarify that neither XXXX, transunion, or XXXX nor any financial institution, including XXXX XXXX or XXXX, have my written consent to furnish my information. Any previous forms of consent, whether verbal, non-verbal, written, or implied, are hereby revoked and issued to cease and desist immediatly. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to exercise nondisclosure options, which has not been adequately provided by XXXX XXXX or XXXX. Additionally, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, which is clearly being violated in this case.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, entities are prohibited from furnishing inaccurate information to consumer reporting agencies and must maintain reasonable procedures to avoid violations of FCRA.

Finally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, which I am exercising now. 

Therefore, I demand that Transunion, XXXX, XXXX and XXXX and XXXX XXXX cease any further dissemination of my information and take immediate steps to rectify any inaccuracies in their reporting. 

Please acknowledge receipt of this letter and confirm in writing the compliance with my requests within 15 Days. 

Thank you for your prompt attention to this matter.

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 2024-04-01 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2024-04-01 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report 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 2024-04-01 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:
Transunion, XXXX, & XXXX continue to report inaccurate information that is causing identity theft issues and me to be denied credit since their information does not reflect what is accurate. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, TX XXXX there should be no variations of my name nor any other addresses listed on my consumer report. I have provided documentation to prove my identity and my lawful residency.

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 2024-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On or about XX/XX/year>, I received a credit alert from XXXX XXXX XXXX stating that an account from Capital One Auto Finance in the amount of $ XXXX was opened in my identity. The information was reportedly reported to XXXX. I logged-in into my XXXX personal account ( that I pay for ) and I did not see this added account/information. I contacted Captial One concerning the issue and they did not have any information with my name or SSN. I then contacted XXXX XXXX XXXX and they referred me to a fraud/ restoration specialist. Today XX/XX/year>, I spoke to the specialist XXXX XXXX. I informed her of the alert issue and clarified that I never had any accounts with Capital One. In reviewing my account, the specialist also identified two other accounts and a hard inquiry in my name that I did not open/instigate. Together the specialist and I called Capital One 's various departments ( customer service, auto finance, credit cards, applications ) and no one had any information in my name. Nonetheless, as part of the restoration process, I was asked by the specialist to file a dispute with the respective Credit Bureau 's however as it relates to the open accounts with XXXX there is no such information listed with them ( according to several specialists I spoke to ), even though the information was reported as an alert with XXXX. As it relates to the hard inquiry, XXXX would like me to provide a letter from the creditor ( Capital One ) stating it is okay to remove the information. However, Capital One is unable to provide me that letter as I do not have any accounts open with them. I am filing this complaint as a form of protection that I did my due diligence to resolve this matter. Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently upheld punctual payments on this account, preventing any instances of overdue payments. The reports of late payment remarks on my accounts leave me uncertain. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and my mortgage was transferred from XXXX to Newrez. It looks like during the transition I missed a payment by mistake. I travel a lot so havent been seeing my mail, and no where in my online account at Newrez says that I missed a payment or even mentioned the late fees until XXXX of 2024, when i immediately called to make the missing payment and request the late fees to be waived. 

Ive never in my XXXX years of life have missed a mortgage payment, so Im requesting to please waive the late fees that you are charging to my account. 



My address is : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Appreciate the help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: UHG, LLC
State: MD

Complaint narrative:
Since XX/XX/XXXX, I have been receiving daily aggressive phone calls from a XXXX  claiming to be urgent and from XXXX. The message instructs me to call back using the number on the caller ID promptly to speak with a live representative. Despite this, the calls intentionally misrepresent the information on the caller ID to conceal the caller 's identity. Frequently, the calls are spoofed to make it seem like they are coming from a local number. After researching, it is alleged that " XXXX '' is not an acronym but another agency of United Holding Group, LLC ( also known as UHG , LLC, UHG I LLC, and UHG II LLC ), a Delaware limited liability company with its principal place of business at XXXX XXXX XXXX, XXXX XXXX, XXXX, New York. which highlights " strategic receivables solutions '' for " unlocking value in charged off and non-performing consumer loans. '' Per The Fair Debt Collection Practices Act ( FDCPA ) debt collectors are required to provide validation information within five days of their first communication with a debtor. To date, I have not received such information from XXXX aka United Holding Group. Instead, I have been subjected to harassing and aggressive phone calls from spoofed telephone numbers. To date, the calls and caller id information have generated as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX from ( XXXX ) XXXX ( XXXX, MI ), XX/XX/XXXX ( XXXX XXXX  ) from ( XXXX ) XXXX ( XXXX, NC ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX ( XXXX ), XX/XX/XXXXXXXX XXXX XXXX XXXX  ) from ( XXXX ) XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX ) from XXXX, XX/XX/XXXX ( XXXXXXXX XXXX  ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXX XXXX ) from ( XXXX ) XXXX ( XXXX, AZ ), XX/XX/XXXX ( XXXX XXXX XXXX from ( XXXX ) XXXX, XX/XX/XXXX ( XXXXXXXX XXXX  ) from ( XXXX ) XXXX ( Private Name ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXX XXXX XXXX from ( XXXX ) XXXX ( XXXX, MD ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX ( XXXX, GA ), XX/XX/XXXX ( XXXX XXXX ) from ( XXXX ) XXXX ( XXXX, DE ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXXXXXX XXXX XXXX MD ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I went to the TD Bank branch at XXXX XXXX for routing banking needs. They strongly suggested that I get a secured credit card with them, and despite saying no thank you, they pressured me into coming in the next day, XX/XX/XXXX. They had me fill in the application and apply *without showing me the fee schedule or the terms and conditions of the card*. Because I was not presented with the list of fees, I assumed that the secured card would have the same fees as the unsecured card with the same name, but it actually had a {$29.00} annual fee that I was never told about or shown. They then proceeded to enter my information wrong and I had to return on XX/XX/XXXX to correct my application, still not being aware of the fee schedule or any other details of the card. When I finally received my card in the mail, that is when I got the fee schedule and other details, and I was surprised to see the fee. On XX/XX/XXXX, I sent in an inquiry through the mobile app about this and received NO RESPONSE for many days, so on XX/XX/XXXX, I called in to explain this situation and to cancel this card. I was told by the phone rep that since I had not used the card yet, I could cancel the card and get the annual fee waived. However, on XX/XX/XXXX, the annual fee was charged and taken out of my collateral account, directly conflicting with what I was told. And despite my account having been " closed '', I can still see it active in my mobile banking app with the original credit limit. 

I am extremely frustrated because the fees and terms of conditions of the card were not disclosed to me when applying ( a violation of federal law ), I was lied to about the annual fee being waived, I did not receive a reply on my inquiry for over two weeks, and my credit card account appears still active despite me having closed it over a month ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
To recap on a previous complaint : On XX/XX/2023, I lost my job thus my income. I used up my reserves to keep my bills current until I receive a new job yet all of my funds were depleted. I was worried about my two credit cards, XXXX and Capital One. When I spoke with XXXX, they put me on a payment plan that was 11 % of my regular payment which was {$17.00} for 6 months. So, when I contacted Capital One, on XX/XX/2023, I was expecting the same results or even better since they are a larger company. The Capital One representative XXXX, once he heard my situation, asked me how much could I pay until I get a job, ( which I was expecting within a few months maximum ), I stated {$20.00} which was approximately 11 % of my regular payment. I then explained what XXXX did for me, expecting this to be the norm. XXXX then stated I would have to pay {$310.00} for 3 months, which was almost twice my regular monthly payment! Obviously, if I can not pay my regular payment, I can not pay almost twice that! I reiterated the seriousness of my situation, aka, having no money for food and in response, XXXX disconnected our conversation. I went ahead and posted {$20.00} payments on the payment due date. What I find comical, is that I still receive emails stating Capital One can help with my payments which I find ironic because when I did ask for help, and let it be known, since having this Capital One credit card, this is the FIRST TIME I asked for help, they spat in my face! 
Since XXXX of 2023, I have been paying {$20.00}. During this time Capital One sends me emails to help yet their payment plan is obscene with a {$300.00} to {$400.00} plan! Obviously, if I can not pay the regular payment of {$180.00}, I can not pay twice as much! Currently I went to pay my monthly {$20.00} and Capital One not only closed my account but discharged it! Capital One refused to assist me during my trying time when I have been struggling with unemployment due to XXXX Long. Capital One ILLEGALLY refused to send me a notice nor warning about closing my account and charge off. I was a card member for over 14 years and only until recently I am struggling so they decide to go to the extreme and instead of assisting me they screwed me over. I guess this is how they treat dedicated members. Interesting how my other newer accounts were willing to assist yet Capital One wasnt. Totally disgusting!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
To whom it may concern this is my formal complaint on Equifax. They continue to violate 15 USC 1681g as it relates to my consumer profile. I requested these documents in order to confirm the validity of account listed as XXXX XXXX XXXX. I have the right to review this information. Pursuant to 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. Equifax continues to ignore my letters, instead of providing what I requested. Pursuant to 15 U.S.C. 1681o : ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; It's clear that the documents i requested, Equifax does not have, therefore there is no possibility the account in question can be verified. I demand this account to be deleted from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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.I 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. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX/XXXX  Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX 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  Date of inquiry : XX/XX/2024 Please remove it 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
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on my credit report. This marks my initial attempt to address this matter with your agency, and I expect a timely and satisfactory resolution. 

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 non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION.

CREDENCE RESOURCE MANA ( Original Creditor : XXXX ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Company response to consumer: Closed with non-monetary relief