vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Name : 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 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 2024-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: CA

Complaint narrative:
On XX/XX/2024 I made an initial attempt to send a certified letter to XXXX XXXX, requesting validation of the information associated with the account. On XX/XX/2024, I received a response from XXXX XXXX. Subsequently, I emailed XXXX, XXXX ( the original account holder ), and copied XXXX XXXX in the correspondence, including screenshots of the credit application containing inaccurate information. 
Following this, I accessed a credit portal to formally dispute the collection charge appearing on my credit report. listed below Dispute 1 * Source of dispute information : XXXX XXXX * Type of disputed information : Unknown credit account * Details of the Dispute : 1. Incorrect Date of Birth : The date of birth listed on the account does not match mine. Upon requesting proof from XXXX XXXX, they intentionally blacked out my date of birth. 
2. Incorrect Email address : The email address linked to the account does not belong to me and does not represent my contact information. 
3. Unauthorized Signature : The signature on the credit application is not mine. There is no proof of wet ink signature, just an electronic signature. 
4. Incorrect Address : The address associated with this account is an old address of mine, but I was not residing there at the time the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2024-12-05 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  Date of inquiry XX/XX/year>

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 2024-12-05 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: TX

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/year>XXXX  I received notification that there was an inquiry for my credit. I immediately contacted the credit bureau and Capital one. Capital stated they located the application and will send out letters asking creditors to remove from report. 60 days later XXXX and XXXX removed. XXXX refused to remove stating they did not get any information from capital one. I called XXXX  multiple times and capital one with no one willing to help. By law this supposed to be removed. This is unfair as I did not do this. XXXX is refusing to dispute and remove with this being a fraud inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer. I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed.

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 2024-12-05 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: TX

Complaint narrative:
I contacted XXXX  abt the fraudulent account on my credit report. XXXX XXXX  and XXXX tht isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I contacted XXXX  abt the fraudulent account on my credit report. XXXX XXXX  and XXXX tht isn't mine.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
These inquiries were unauthorized and or causing my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These inquiries were unauthorized and or causing my XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: SC

Complaint narrative:
Parties involved : United Wholesale Mortgage as the mortgage company/underwriter. Best Life Mortgage as the broker/lender. 
A final closing disclosure was not given to me three days prior to closing. In fact, it was sent at XXXX on XX/XX/year>, the evening before our closing, which was the following morning on XX/XX/year> at XXXX. The reason that I have an issue with this is because I was driven to make a rushed decision with issues but no time to push back and still meet the closing date. The cash to close on the closing disclosure that I was told had been approved by the underwriter and had a XXXX on XX/XX/year> was at {$37000.00} and included the payoff of a personal car loan of {$5500.00} and was a 30 year@ 7.624 % interest rate. The last-minute closing disclosure that I received on XX/XX/year> at XXXX had the cash to close at {$46000.00} and did not include the payoff of the personal car loan and was a 20 year@ 6.874 % interest rate and a 0.754 % point buydown costing {$5200.00} which I was very clear from the beginning that I did not want to use any funds toward point buydown. When I tried to speak with the mortgage company on the phone regarding the issue they said I could not talk with them due to internal compliance. When I spoke with the broker on the phone, he brushed it off and said " what's in the past, is in the past '' since I have already signed the closing documents. Even after I pushed back and disagreed with the amounts on the last closing disclosure. However, I needed to sign the following day otherwise I would be charged by the law firm, the delivery company who was bringing my belongings, and we would have been homeless due to our apartment lease ending.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting 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 am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as 1 ) XXXX XXXX XXXX. I request that my name be updated to reflect the correctinformation. 

2. Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX. XXXX, FL XXXX but my credit report shows an outdated address as 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX XX/XX/XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX ) XXXX, XXXX ) XXXX XXXX XXXX. I request that employer be updated to reflect the correct information. 

4. Date of Birthday : My DOB is XX/XX/XXXX, but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 


I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.

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 2024-12-05 00:00:00
Product: Credit reporting 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 am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as 1 ) XXXX XXXX XXXX. I request that my name be updated to reflect the correctinformation. 

2. Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX. XXXX, FL XXXX but my credit report shows an outdated address as 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX, 2 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX XX/XX/XXXX, 3 ) XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as 1 ) XXXX, 2 ) XXXX XXXX XXXX. I request that employer be updated to reflect the correct information. 

4. Date of Birthday : My DOB is XX/XX/XXXX, but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 


I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX Monday, XX/XX/XXXX, someone apparently used my debit card to make at least XXXX purchases at XXXX XXXX. After reporting the fraud, XXXX was blocked from posting to my account, but the second transaction was posted in the amount of {$1100.00}. They did not process the dispute on that amount and they allowed the charge to go through. 

It's important to note that they block completely valid charges for purchases as low as {$20.00} from major retailers and even prevented me from paying my tax bill " for my own protection. '' I'm not someone who shops on XXXX XXXX  and I cant think of the last time I purchased anything from XXXX XXXX, where the fraud occurred. It was atypical spending of multiple thousands of dollars. 

After reporting it, they shut off my debit card to my primary bank -- place where I receive my paycheck even though I told them I was travelling and had no other access to funds. This leaves me currently with no way to pay for anything - not able to eat on my own, take an XXXX, anything. 

I've probably spent collectively XXXX hours with multiple agents, each of whom eventually tells me there is nothing they can do. 

I am still trying to get the charges reversed and a new card issued since I get paid tomorrow, and they still have done neither. Capital One has been very clear in their actions -- they do not care that they've left me without access to funds. They even suggested that I go to the ATM and withdraw all the cash and walk around with a bag of cash to pay for things.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and I am requesting the immediate blocking and deletion of certain accounts from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts were opened without my knowledge or authorization, and I ask that they be removed from my credit report : Fraudulent Accounts : XXXXXXXX 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 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 non-monetary relief