vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Recently I have started going over my credit report. I noticed some incorrect addresses and phone number. I reached out to all XXXX credit agencies, I sent in my drivers license with my address on it, a current utility bill with my address and a letter with all the incorrect addresses. I got no response. though a credit monitoring app I use, I saw that my new address was updated but they did not remove ANY of the information that was incorrect. I sent a 2nd letter and realized I could file a complaint via the CFPB. The incorrect information while small all add up and are affecting my credit score in a negative manner.The received the 2nd letter XX/XX/2022 track # XXXX and added the new address XX/XX/2022 but again nothing with the incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Recently I have started going over my credit report. I noticed some incorrect addresses and phone number. I reached out to all XXXX credit agencies, I sent in my drivers license with my address on it, a current utility bill with my address and a letter with all the incorrect addresses. I got no response. though a credit monitoring app I use, I saw that my new address was updated but they did not remove ANY of the information that was incorrect. I sent a 2nd letter and realized I could file a complaint via the CFPB. The incorrect information while small all add up and are affecting my credit score in a negative manner.The received the 2nd letter XX/XX/2022 track # XXXX and added the new address XX/XX/2022 but again nothing with the incorrect information

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are some item resolve, closed, charged off, paid off and clear on 2020. Still showing on my credit report. I contact credit card company and they can not help me, because they already received payment and account has been closed. Credit bureau is not removing it from my report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  and XXXX XXXX XXXX showing on my report as Red flag. Which is costing me lower credit score, unable to buy car and many other issues. Please help.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are some item resolve, closed, charged off, paid off and clear on 2020. Still showing on my credit report. I contact credit card company and they can not help me, because they already received payment and account has been closed. Credit bureau is not removing it from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XXXX showing on my report as Red flag. Which is costing me lower credit score, unable to buy car and many other issues. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax doesn't investigate a fraudulent entry on my credit report. The other 2 credit bureaus have removed it, but Equifax has had 2 chances to clear it up. They just rubberstamp the bad entry from XXXXXXXX XXXX XXXX XXXX without proof the account is mine ( it's not ). 

The creditor won't remove it and re-validates it as valid when it is not my debt. This belongs to my wife and her ex. The child is not mine and has not been adopted, I don't have financial responsibility for her and the debt was paid. I have no legal responsibility to pay for the child 's debt and it should be removed from my credit. 

Collection Agency : XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Chapter XXXX Bankruptcy Reference # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXXL Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, Chapter XXXX Bankruptcy Reference # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Im accordance with the fair credit reporting act XXXX account XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/2022, my loan ( Loan # XXXX ) with LoanDepot was paid in full in conjunction with the sale of my home. I have been enrolled in autopay so that I would never miss a payment. I consented for LoanDepot to withdraw my monthly payment on the first of each month. I did not consent for LoanDepot to withdraw my monthly payment before the first of the month or after my loan was paid in full. Yet that it what happened. 

I close on a home purchase today, XX/XX/XXXX. I intended to use my home sale proceeds to purchase the home. But LoanDepot threw a wrench into that plan when it wrongfully debited {$4200.00} from my checking account on XX/XX/XXXX. The withdrawal cleared the morning of XX/XX/XXXX. This withdrawal is nonsensical - my mortgage was paid in full on XX/XX/XXXX. There was no outstanding obligation against which to apply any payment, much less {$4200.00}. 

I immediately called LoanDepot, around 7 AM, explained the situation, and requested an immediate return of my funds. LoanDepot refused to return the funds by ACH or wire. Two escalation agents told me that LoanDepot would overnight a check to me. Today, XX/XX/XXXX, I called LoanDepot to check in on the status. Two hours later, I received an email from a third escalation agent, XXXX XXXX XXXX ( phone ( XXXX ) XXXX ext. XXXX ) who informed me that LoanDepot would not take 3-5 business days to " review '' my request. This is an unfair and deceptive business practice and constitutes theft. LoanDepot had no basis to make a withdrawal against my checking account and by doing so has stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter challenging the information TransUnion is reporting on XX/XX/22. so far its been 30 days and I have not received a respond from my dispute. The account XXXX XXXX information is inaccurate, the opened dates are different from each report and is missing lots of information, this account is not mine. XXXX and XXXX have already removed the erroneous account from their system.

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 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was charged a full amount of ( {$1100.00} ) by a rental car agency falsely claiming that it is a hold/security deposit on my card due to a minor scratch found upon return inspection on the front bumper of the rented car. 

The hold/security deposit was described as necessary to allow the car rental agency to get an estimate for the repair and provide backup documentation to myself and insurance company. since then there has been NO communication or evidence provided by the rental agency to myself and insurance company despite efforts by myself and insurance agent ( attached emails ) to contact the rental agency. 

This was disputed with Capital One and despite providing all the documentation and the rental car agency being unresponsive to Capital One, Myself and insurance company during the 90 day investigation period, Capital One proceeded to put the full charge back on my account. after speaking with Capital One representatives, they were unwilling to correct this mistake and charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' " {$340.00} '' " Opened XXXX '' Block and Remove This Account From My Credit Report. I Did Not Consent To, Did Not Authorize, Nor Benefit From This " Derogatory Mark ''. Report Positively To All Consumer Reporting Agencies. Compensate Me {$2000.00} in total per violation as stated in 15 USC 1681N ( 1A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Heartland Resolution Group, LLC
State: FL

Complaint narrative:
I received the Hearland Resolution Group debt collection letter said I owed to XXXX XXXX XXXX XXXX XXXX amount is XXXX by Original Creditor : XXXX XXXX XXXX XXXX as of the Date of Service XX/XX/2014. I didnt go the hospital which they said the Date so it was not my bill it was someone who used my personal information for the Emergency Serviced. I called XXXX XXXX XXXX who told me my date of birth was not collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 and I am filing this complaint about 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 non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I had a Chase XXXX card with a limit of {$15000.00}. I was on vacation and without notice, Chase lowered my limit to {$11000.00}, about {$500.00} over my current balance. This was my primary credit card and only credit card I took on vacation with me other than my corporate credit card. I immediately contacted Chase through their secure messaging on XX/XX/XXXX about this. They responded and said they needed updated income information and employment information which I provided. I did not hear anything back by XX/XX/XXXX and requested an update. Again, I was still on vacation and this was my only credit card. Their response was that it was forwarded to the appropriate area. Receive a response on XXXX and they said I would need to call them and reapply for the credit limit. I said " no, I want the credit limit reinstated as I was on vacation and needed this card. '' They just kept responding with the same automated message. I told them to go ahead and just close the card and explained that I believe their practices are manipulative as they provide a card with a limit and rate based on people 's credit hoping that people use the card and that it becomes their " top of wallet '' credit card. They then unprovoked, reduce the credit line with no notice. This now impacts the cardholder 's credit score as it increases their revolving debt compared to open credit availability. They then make their lending decisions and assign rates to these cardholders based on this. If I would have reapplied for the card, they would have potentially increased my rate because of the move THEY made. They are manipulating the system to their own benefit. Charging me an interest rate based on risk, getting me to use the card, and then once used, revoke the card without having the opportunity for me to choose another card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX, a debt collector, is making repeated, daily calls to my cell. I have advised them that my number is on the XXXX XXXX and they still persist even after I said I would report them. The calls are daily and from multiple phone numbers.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
the bureaus stated my account was properly investigated but that has proved to be inaccurate seeing as i have accounts reporting on one of my reports and not others and also have incorrect dates and loan amounts as well as inaccurate information regarding funds i recieved and or illegal obtainment of private information also threats of legal action like imprisonment 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written consent 15 U.S.C 1681n civil liability for willful noncompliance

Company response to consumer: Closed with explanation