vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have reported this company through XXXX, XXXX I have sent several request to remove this debt for inaccurate information. They keep updating information on my report instead of removing it or providing me with a debt of validation as i requested. They removed it from my XXXX report but keep updating the XXXX and XXXX. I have no clue who this company is and I need them to remove it from my file. I have never received and emails or mail from this company or phone calls at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested via telephone and certified letters full validation and assignment contract. I did not received anything I requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been Detrimental to my life and credit health

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 2024-10-18 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been Detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-10-18 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion.please delete the following accounts. 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
Consumer complaint received 2024-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I was advised by letter from the Bankruptcy Court that I owed a balance. I had to supply Mr. Cooper three years of bank statements to show payments were made every month. They " fixed '' it until I received my statement for XXXX. The amount due was more than my monthly payment. I called. I was told that I owed half for XXXX, and XXXX. I asked my lawyer for advice as I wanted to move forward with my bankruptcy. I paid it. I received my statement for XXXX - I owed the standard payment. I paid it. I received the statement for XXXX - again, amount due is more. To date, payments not applied correctly i.e. my payment for XXXX was called in on XX/XX/XXXX, debited from my account on XX/XX/XXXX and the website shows XXXX is due and now, I incurred a late fee. I continously call every month. I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I reached out to the CEO XXXX XXXX and XXXX Consumer Disputes and received no answer... I also realize there is case law regarding reporting this type of information ... 15 US Code ss 1681A ( 2 ) ( ai ) -- Im just asking for a fresh start and the removal of those late payments due to extreme hardship. 

Below you will see the communication that I emailedand emailed certified to Capital One Auto Corporate Office -- once again NO RESPONSE. 


Good morning XXXX XXXX, My name is XXXX XXXX and I have been a Capital One Auto customer since XXXX. I opened this loan XX/XX/XXXX account number XXXX. At this time my credit was hovering around XXXX. My small business had started back growing after the pandemic and I needed a new used vehicle. 

Then disaster struck. In XX/XX/XXXX the XXXX XXXX Timing chain broke and destroyed half of the engine. That was the last time I had driven the truck. I continued to make payments because I was contractually obligated. I had the vehicle towed to the local XXXX XXXX XXXX, XXXX XXXX, and the quoted me XXXX to replace the motor. I was devastated. During the XXXX  months of driving the car I performed all oil changes, maintenance, brakes, and tires. 

I called around and found a place that could put in a refurbished engine for XXXX a small shop in XXXX Texas. Even though that price was XXXX % cheaper as a small business owner with a family I don't just have {$23000.00} lying around. I made attempts to make a deal with XXXX XXXX where perhaps I could trade the car in for something else and roll in the payments -- but the cost to do that was the same as the engine. I checked lemon laws in Missouri, sent complaints to the Attorney General just looking for a solution. I then called Capital One. I explained to them my situation and asked them if I could be granted a XXXX month deferment so that I can save up to get the car fixed. They said no. I continued to make XXXX straight auto payments on a SUV I hadn't/could n't drive since XXXX XX/XX/XXXX. 

My only other option would be to be late on some payments in order to save the money needed to get the car fixed. I was able to take advantage of a XXXX month deferment on occasions but those opportunities were soon no longer available. 

To make a long story short - I have saved the money needed to fix the car. But now I have XXXX XXXX day lates that I'm asking for forgiveness on my credit report. I have a payment scheduled of {$1500.00} for this Friday XX/XX/XXXX that will bring my account current. 

My credit score has plummeted and as a small business I want to grow. Hard to grow with XXXX credit score.

Please find in your good graces to help me get make on my feet by forgiving those late payments. I was trying my best to stay above water and correct a very ugly disappointing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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 am filing this formal complaint against Experian for multiple violations of federal law related to the handling of fraudulent accounts on my credit report. Despite providing both a police report and an FTC Identity Theft Report, Experian has failed to remove the following fraudulent accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 : 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  To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts : Notarized Identity Affidavit FTC Identity Theft Criminal Complaint XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Proof of Removal from other credit bureaus Additionally, I would like to bring to your attention that I am a victim of the XXXX Data Breach ( see attached proof ), which has further contributed to the misuse of my personal 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 explanation
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
I've been attempting to contact the appropriate channels about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

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 2024-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I tried to withdraw funds from my Marcus by Goldman Sachs account on XX/XX/XXXX to a company of which Im the founder. The transaction was reversed, and since then, Ive been blocked from making any withdrawals from the account. For example, I attempted a transfer to my brokerage account at XXXX on XX/XX/XXXX, but that was also reversed. As a result, my instant deposits have been blocked on XXXX, leaving me with a negative balance due to the margin I was given. 

When I called Marcus, I was repeatedly told that I needed to do a 3-way call with the business bank where I tried to make the transaction, which I refused for security reasons. Today, I was told the same thing, but after an agent named XXXX said, dude, let me be honest with you, I re-dialed. This time, another agent informed me that the block was due to my attempt to withdraw into a business checking account. She lifted the block on my account and advised me to re-attempt wiring the balance to my personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My wife open an account with Alphaeon credit card, i use this card twice with no problems, i signed for paperless so I ignore everything, because i didnt see no problems i never checked anything more the payment, thatll, but today they helped me to download the statement and last month my balance was XXXX, i usully pay more that the minimum payment, but today XXXX XXXX XXXX i tried to make my normal payment i found my balance was different i thought something happened or someone else was using my card, i call and they said the promotional of 24 months was end last XX/XX/XXXX, and they increased my debt to XXXX i was devastated when i found out, i tell them i can pay the last promotional money or pay full my balance of XXXX if they take the interest rate down but they refuse to help me, ill pay every month, never late, always on time, i try to be a good customer but no, they refuse to give me the opportunity to just pay my original debt, sorry if my writing is bad Im not a speaking XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: DE

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identity theft from my consumer 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 2024-10-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2024-10-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In 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 non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I am writing to request an investigation due to accounts was opened I NEVER opened or used. There is incorrect address on these accounts as well.

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 2024-10-18 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: IL

Complaint narrative:
I am submitting this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Equifax block and remove the following fraudulent accounts and addresses from my consumer credit report. These accounts and addresses are a result of identity theft and fraud that occurred during my period of trafficking. As required by FCRA, I expect Equifax to take action within four business days of receiving this complaint. 

The following accounts were fraudulently opened without my knowledge or consent : XXXX XXXX Services Account Number : XXXX Balance : {$13000.00} Date Opened : XX/XX/year> XXXX Auto Finance Account Number : XXXX Balance : {$23000.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$3600.00} Date Opened : XX/XX/year> Additionally, the following addresses, which I have never resided at, were fraudulently added to my credit report and need to be removed : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX To substantiate my claim, I have attached the following documentation, which has been accepted by other credit bureaus for the removal of these fraudulent accounts and addresses : FCRA Section 605C Self-Attestation Form Notarized Identity Affidavit Notarized FTC Identity Theft Criminal Complaint # XXXX Notarized Utility Bill Proof of Removal from other credit bureaus Furthermore, I am a victim of the Equifax Data Breach ( proof attached ), which contributed to the misuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion send me update on XX/XX/year> that account was deleted, looked at my consumer report as of XX/XX/year> and still showing on consumer report needs to be fixed asap! TransUnion is causing me hardship

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 2024-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My original loan officer was Great lakes Great lakes shut down it was one loan it was not separate Great lakes sold my loan to several different loan agencies due to this happening Nelnet was on my loan information file for maybe 4 months and then it was sold to add financial they have duplicates of the same loan showing on my credit so now it says that I owe XXXX plus when {$15000.00} was forgiven by borrowers defense loan forgiveness program because the school committed fraud against me so my loans were completely forgiven a XXXX I enclosed the original copy of my credit report showing that it was one loan and then the paperwork from XXXX XXXX showing XXXX was forgiven and financial has not released Nelnet from my credit report they have to release them and they haven't done it which is causing me grave financial harm and causing my credit to be extremely low I would have a XXXX credit score if it was not for this happening it is affecting me and the way that I live and run my life I don't owe any loan money and borrowers the fence has reached out several times to add financial and nail that with no avail I don't owe the money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX THESE ADDRESS ARE FRUAD I NEVER LIVED HERE BEFORE

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Every time I mail in a request to receive my credit report its ALWAYS an issue and i NEVER receive what I ask for.. Its always the same cycle of sending in " verifications '' for your identity such as your drivers licenses ( which is unconstitutional ), a bill/lease and your social security card.. XXXX XXXX XXXX and Experian are ALL NON GOVERMENT AGENCIES. THEY ARE PRIVATE OWNED CORPORATIONS HENCE THEIR COMPANIES HISTORY. YOU ARE A PRIVATELY OWND ENTITY THAT CONGRESS HAS SAID " Consumer reporting agencies have assumed ( ASSUMED?? ) a vital role in assembling and evaluating consumer credit and other information on consumers..There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " .... if yalls private entities gone have my social security number without my prior written consent I think i should be able to receive my credit reports when I ask and not have to go through any ridiculous cycles. This has really impacted not only my financial situations but also estate/family situations. This is defamation of character

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 2024-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently got a copy of my credit report and noticed several inaccuracies and unauthorized accounts 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