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: 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: FL

Complaint narrative:
the company XXXX XXXX XXXX  offered loan suspension because of a hurricane Then XXXX XXXX offered a loan modification. 
they never gave an exact due date but told me to start the process about 30 day before the suspension was up approx XX/XX/XXXX which i did and submitted documents around XX/XX/XXXX. 
XXXX XXXX said I would not have negative reporting and this included during the modification process. 
XXXX XXXX called and sent mail to me several times during the 90 day suspension to say I was behind on payments and every time I called them back to discuss any issues they said it was a standard call or mail and " to ignore it '' not to worry about it. 
while in the process of loan modification they reported me to 3 credit agency 's as late on XX/XX/XXXX XXXX i received no mail or call warning of this. this dropped my credit from XXXX to XXXX. They also continued to request documents from my loan modification, but I was forced to get a loan to pay off the late payments in order to stop negative reporting even though I was in the loan modification process, which took them almost 3 months to complete. Then, once complete, they told me I did not qualify for loan modification because my loan was current. So they offered suspension due to hurricane and a modification but negatively reported on my while in middle on the process over many months i asked for return calls but 80 % of the time i never got a call back when they said they would. I had to continue to follow up. If they would have told me they would negatively report me while in a loan modification process I would have handle this differently. 
i asked for the recording of all calls but they refused. 

XXXX XXXX XXXX  is a predatory bank. I never got a loan from them, and my loan was sold without my knowledge to 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
the company XXXX XXXX XXXX  offered loan suspension because of a hurricane Then XXXX XXXX offered a loan modification. 
they never gave an exact due date but told me to start the process about 30 day before the suspension was up approx XX/XX/XXXX which i did and submitted documents around XX/XX/XXXX. 
XXXX XXXX said I would not have negative reporting and this included during the modification process. 
XXXX XXXX called and sent mail to me several times during the 90 day suspension to say I was behind on payments and every time I called them back to discuss any issues they said it was a standard call or mail and " to ignore it '' not to worry about it. 
while in the process of loan modification they reported me to 3 credit agency 's as late on XX/XX/XXXX XXXX i received no mail or call warning of this. this dropped my credit from XXXX to XXXX. They also continued to request documents from my loan modification, but I was forced to get a loan to pay off the late payments in order to stop negative reporting even though I was in the loan modification process, which took them almost 3 months to complete. Then, once complete, they told me I did not qualify for loan modification because my loan was current. So they offered suspension due to hurricane and a modification but negatively reported on my while in middle on the process over many months i asked for return calls but 80 % of the time i never got a call back when they said they would. I had to continue to follow up. If they would have told me they would negatively report me while in a loan modification process I would have handle this differently. 
i asked for the recording of all calls but they refused. 

XXXX XXXX XXXX  is a predatory bank. I never got a loan from them, and my loan was sold without my knowledge to XXXX XXXX.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
the company XXXX XXXX XXXX  offered loan suspension because of a hurricane Then XXXX XXXX offered a loan modification. 
they never gave an exact due date but told me to start the process about 30 day before the suspension was up approx XX/XX/XXXX which i did and submitted documents around XX/XX/XXXX. 
XXXX XXXX said I would not have negative reporting and this included during the modification process. 
XXXX XXXX called and sent mail to me several times during the 90 day suspension to say I was behind on payments and every time I called them back to discuss any issues they said it was a standard call or mail and " to ignore it '' not to worry about it. 
while in the process of loan modification they reported me to 3 credit agency 's as late on XX/XX/XXXX XXXX i received no mail or call warning of this. this dropped my credit from XXXX to XXXX. They also continued to request documents from my loan modification, but I was forced to get a loan to pay off the late payments in order to stop negative reporting even though I was in the loan modification process, which took them almost 3 months to complete. Then, once complete, they told me I did not qualify for loan modification because my loan was current. So they offered suspension due to hurricane and a modification but negatively reported on my while in middle on the process over many months i asked for return calls but 80 % of the time i never got a call back when they said they would. I had to continue to follow up. If they would have told me they would negatively report me while in a loan modification process I would have handle this differently. 
i asked for the recording of all calls but they refused. 

XXXX XXXX XXXX  is a predatory bank. I never got a loan from them, and my loan was sold without my knowledge to 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 2024-06-18 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: Collection Management Holdings, LLC
State: TN

Complaint narrative:
Subject : Debt Validation Request Pursuant to FDCPA, 15 U.S. Code 1692g To Whom It May Concern, Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, that a validation is requested.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my wet signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges.

Proof that the Statute of Limitations in Tennessee has not expired.

Complete payment history on this account along with an accounting of all additional charges being assessed.

Proof that you are licensed to collect in my state.

Your license numbers and Registered Agent or Agent of Service.

Additionally, in accordance with 31 U.S. Code 3123 and 18 U.S. Code 8, I request verification that this debt falls under the category of an " obligation or other security of the United States. '' These statutes define the terms and conditions under which a debt is considered an enforceable obligation. Compliance with these statutes is necessary to validate your claim. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ) to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 
This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 
All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
If you are unable to validate the debt, I request that the account be deleted from my consumer report immediately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Card Acquisitions Group
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX for their persistent and inaccurate reporting of a loan account on my credit report. Below, I provide a detailed history of my complaint and the issues I have encountered : Loan Origination and Financial Hardship : In early XXXX, while stationed in Washington as a member of the U.S. military, I took out a loan from XXXX XXXX XXXX XXXX. 
Later that year, I faced significant financial hardship due to a divorce and subsequent XXXX preparations for XXXX. These circumstances prevented me from making payments on the loan. 
Lack of Proper Documentation : I have repeatedly requested a copy of the original loan contract from XXXX XXXX XXXX XXXX, but they have failed to provide it. Instead, they only sent a bill without any supporting documentation. 
Threats and Communication : In XXXX, the company contacted me with threats of legal action and garnishment of my account. Despite these threats, there was no follow-up, and I did not receive any further communication from them. 
Inaccurate Credit Reporting : This account continues to appear on my credit report despite the cessation of payments and communication over eight years ago. 
The company has been manipulating the account information by altering the date the account was opened and changing its status. Originally opened in early XXXX, they have falsely reported the account as being opened in XXXX. 
The status of the account is inaccurately reported as active and in collection, despite it being closed and with no recent activity. 
Impact on Credit Score and Unfair Practices : The continuous and inaccurate reporting by XXXX XXXX XXXX XXXX is severely damaging my credit score. 
The actions of the company suggest a deliberate attempt to keep the account on my credit report to harm my financial standing. 
Resolution Sought : I request the Consumer Financial Protection Bureau 's assistance in resolving this matter. Specifically, I seek the following : Immediate Removal : The removal of this inaccurate account from my credit report, given that the debt is no longer valid due to the passage of time and the lack of documentation provided by the creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : An investigation into the practices of XXXX XXXX XXXX XXXX to prevent them from manipulating account information and violating consumer rights. 
Confirmation of Resolution : Written confirmation from XXXX XXXX XXXX XXXX and the credit bureaus that the account has been removed from my credit report. 
I appreciate your attention to this matter and look forward to your prompt assistance in ensuring that my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: MO

Complaint narrative:
There is no company to file... background report show inaccurate info. 

Shows a former address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX At one time we were told someone there was trying to steal my identify and I made my credit search receive a two step authentification. 

Shows my former names as XXXX XXXX XXXX and XXXX XXXX XXXX, neither has been my names ever. 

My wife 's name is XXXX XXXX XXXX. Never has she been XXXX XXXX XXXX Thank you

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account 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 2024-06-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

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 2024-06-18 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-06-18 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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: EQUIFAX, INC.
State: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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!

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-06-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief