vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Complaint, QWR, DVR and demand for disclosures under TILA against XXXX [ controlled by XXXX XXXX ] and NewRez who owns XXXX XXXX XXXX XXXX XXXX fully owned by XXXX XXXX funds and since XXXX owned by XXXX XXXX XXXX  acting under name of New Residential. On XX/XX/XXXX XXXX Artificial Intelligence [ robots ] generated unsigned " response '' to my disputes where Artificial Intelligence insisted that information on my Credit Report was updated and verified as " accurate '' - which is not true and can not be true. 
First, it is illegal and perhaps criminal for XXXX [ XXXX XXXX ] to use Artificial Intelligence [ robots ] to conduct verification of customers disputes and respond to customers with false information. I demand to provide me the name and contact information for an authorized individual employee of XXXX who can personally verify how exactly XXXX verified information on my credit report and provide me copies of documents based on which this information was verified. 
According to XXXX response regarding my dispute with defunct faux " servicer '' [ not lender ] XXXX XXXX XXXX XXXX XXXX [ fully owned by XXXX XXXX XXXX XXXX ], " the compnay that reported the information has CERTIFIED to XXXX that they information is accurate. XXXX became NewRez in XX/XX/XXXX and obviously can not " verify '' anything to XXXX in XXXX. 
I demand to provide me the name of the Company who provided this Certification to XXXX, the copy of this certification as provided to XXXX, and the name of individual employee of the company who was authorized to provide this certification and has personal knowledge about information furnished to XXXX regarding account XXXX I also demand to provide me a copy of verification for information related to disputed account XXXX and the name and contact information for an individual authorized employee of the company who submitted this verification I demand to immediately remove this derogatory information until XXXX provides me proof of verification from the companies and its individual employees who furnished it.

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 2024-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This company is wrongfully in possession of non-public personal information without consent and has furnished incomplete and inaccurate information on my credit report without following proper procedures. In this debt collection scheme, this company has appeared on my report without any communication whatsoever from this debt collector without verifying the amounts or given me the chance to dispute and get required account level documentation verifying the accuracy of the amounts, procedures used and completeness. 

First can this company provide evidence of a consumer credit transaction? If so, can it verify the amounts I was approved for credit? 

Nonetheless, Can this company please provide all previous communications it had with me PRIOR to furnishing this account on my credit report in accordance to the law? As well as the full accounting and list of collateral according to F.S. 679.210 and itemization of the balance and where I agreed to pay that amount of debt, and its reasonable procedures to abide by the E-sign ACT? Can it also provide the full terms of its purchase and sale agreement of my alleged non-negotiable assignment of debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting TRANSUNION 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. 
On top of that, The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D is also being violated because after multiple disputes the unverified inaccurate items are still illegally reporting to 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 2024-11-19 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:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

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 2024-11-19 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-11-19 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-11-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported to CITI CARDS/CITIBANK, yet CITI CARDS/CITIBANK is not removing this fraudulent account. CITI CARDS/CITIBANK has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : CITI CARDS/CITIBANK / 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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a dispute on XX/XX/year>, regarding a transaction ( case number XXXX ). I have requested updated documentation regarding the status of the dispute along with the final decision. I was informed that no documentation will be provided regarding the status and decision of the dispute. The only document I have is the original one which was created when I initially filed the dispute. 

I spoke with managers XXXX ( XXXX ) and XXXX ( XXXX ). Both managers have refused to send me documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Compass Recovery Group, LLC
State: FL

Complaint narrative:
There is a company who keeps calling me to attempt to collect a debt. They say they are called " XXXX XXXX. '' When I searched this online, XXXX XXXX is a food service company, NOT a collection group. " Compass Recovery Group '' did pop up is search results as a debt collection agency, however, they are not registered with the XXXX XXXX XXXX and their website looks very unprofessional ( as if to attempt to collect personal, sensitive information ). The person on the phone refused to acknowledge who they were and what they were calling about, and kept trying to get me to verify sensitive information over the phone. Seems very fishy. I have never received anything official from them in the mail. The name of the person calling is XXXX XXXX, and the phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a dispute to request that you guys verify information that you are reporting that I questioned on XX/XX/year>, XX/XX/year>, XX/XX/year> and still no response. I am aware of my rights to an accurate report as well as the 30 days allowed for investigation.

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 2024-11-19 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SEE PROOF OF LOAN TRANSFERRED AND ESCROWED BANK DIDNT PAY IT WAS SAME INSURANCE SINCE DAY ONE ON LOAN AND THEY SAY I DIDNT SEND IT IN WAS SAME FROM BEGINNING OF LOAN. SPS LIED SAYING I DIDNT SEND IT ON TIME WAS SAME SEE OLD MORTGAGE. AND XXXX MORTGAGE MODIFIED BUT NOT XXXX AND STILL A SALE XXXX  CAN GET MODIFIED. AGAIN ALREADY SUBMITTED COMPLAINT TO DEPARTMENT OF INSURANCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I received a collection debt on my XXXX XXXX and XXXX that I have no knowledge of. The name of the debt collector is Bounce AI with an open balance of XXXX states it was opened XX/XX/XXXX of 2024. I have no knowledge of what this is for and I also did not remember opening any account this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/scrub> 2024 I attempted to book a hotel room and was directed by XXXX to a website that took my Applecard and said I had reserved the room at a cost of over {$4000.00}. I was suspicious at the amount and even that the room was available as the hotel typically is fully booked many months in advance. I searched for information about the website and saw that it was recognized as a scam. 

I contacted the hotel and they had no record of the reservation. 

I disputed the transaction with Applecard and Goldman Sachs and they said they would investigate. However they keep re imposing the transaction after a few weeks and I have to repeatedly reopen the dispute. They are very difficult to deal with as their agents appear to have no knowledge of the history of these supposed " investigations '' and everything is by text. I have asked for escalation to management and they did tell me I would be contacted. However no one has contacted me in the many months this has been going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-11-19 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: FL

Complaint narrative:
I have been disputing these fraudulent and inaccurate accounts. In my previous dispute, I also included an FTC, which I am also including in this dispute.

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 2024-11-19 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: FL

Complaint narrative:
I have been disputing these fraudulent and inaccurate accounts. In my previous dispute, I also included an FTC, which I am also including in this dispute.

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
ALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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