vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-19 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 filled out a FTC identity theft report on XX/XX/XXXX to report potential identity theft affecting my credit profile. Upon reviewing my recent credit report, I discovered unauthorized accounts and hard inquiries that strongly indicate fraudulent activity and has not been remove yet. I did not initiate or authorize these entries, confirming my status as a victim of identity theft, the unauthorized account and inquiries are attached in the Identity theft report I have uploaded. 
Both FTC from XX/XX/XXXX and also XXXX of 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 2024-03-19 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: FL

Complaint narrative:
I filled out a FTC identity theft report on XX/XX/XXXX to report potential identity theft affecting my credit profile. Upon reviewing my recent credit report, I discovered unauthorized accounts and hard inquiries that strongly indicate fraudulent activity and has not been remove yet. I did not initiate or authorize these entries, confirming my status as a victim of identity theft, the unauthorized account and inquiries are attached in the Identity theft report I have uploaded. 
Both FTC from XX/XX/XXXX and also XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NC

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged : 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
Consumer complaint received 2024-03-19 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Yours Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In XXXX of XXXX I got a loan through credit acceptance for a XXXX XXXX XXXX XXXX  The car was originally priced at {$10000.00} and I was given a 22.99 % interest rate. This made the finance charge come up to XXXX. I gave the dealership XXXX but it was only reported on the paperwork from credit acceptance that I gave them XXXX down. Fast forward to XX/XX/XXXX I completely paid off the loan.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
hello back on XX/XX/19 a letter was sent to Experian disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to...

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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Since taking out this loan approximately 7 years ago, I have made all payments on time to my mortage company and have provided all insurance documents and anything/everything else that has been asked of me and yet, for the last year or so, I've been constantly harrassed with all sorts of notices about missing payments, questions about insurance, and a whole slew of other things -- none of which make any sense whatsoever. 

Everytime I call them, I have to start from scratch, eventually reaching the point where the person I'm speaking with appears to realize that indeed, these numnbers do no make sense. At that point, I am told that this will be passed on to a supervisor who will get back to me within a few days but that NEVER happens. Instead, I get all sorts of form letters in the mail saying that they " have been trying to reach '' me, blah blh blah ( which is not true -- they do NOT call me ). 

All my payments are automated -- I can document all payments AND my property has been insured since I bought it in 2010. 

Yesterday, I got a notice that they intend to forclose on my property if I don't pay {$2600.00} by XX/XX/XXXX (!!! ), this coming after I sent a detailed letter to them last month insisting that they get my account straighened out once and for all. Needless to say, there was no explanation at all ( btw -- the amount remaining on my loan is approxzimately XXXX and my property is worth about XXXX ). The FACT of the matter is that I owe them NOTHING. There should be NOTHING in escrow, no late payment charges. I am all paid up! 

The above is the gist of my frustrating situation. If necessary, I can provide more detail but I'm hoping that what I've provided is enough. I am paid up in full with them and THEY need to straighten out their records -- I can't do that for them ( Please note that 4 of my monthly payments were returned to my checking account recently because I was misinformed that I didn't need to change the mailing address when Shellpoint reaquired the administration of this loan several months ago -- - BUT that those payment have been subsequently re-paid ). This has been extremely frustrating and I am not getting any younger. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LNVN Funding could not substantiate the debt in court that it belongs to me and their case against me was Dismissed by a Judge. They have yet to prove the debt belong to me and continues to report to the credit agencies. Please assist me to get them to cease and desist. Thank you. 

LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FCC Finance, LLC
State: NC

Complaint narrative:
This company has claimed that I took out a ~ {$2000.00} loan from a separate business, then they bought the debt from them. The account is 9 years 8 months old, supposedly opened in XXXX, and they are continually reporting to my credit report as missing payments. They are reporting to my credit report as an " unsecured loan '', and have been doing so for almost 10 years now. Also, I didn't start getting letters in the mail until I started disputing the account on my credit report. I did not open this account, and I have told them this repeatedly. My credentials were used on my behalf without my knowledge while I was XXXX overseas, and didn't find out about it until much later. 

Regardless, the statute of limitations on debt in Texas ( which is where this company is based ) is 4 years. No action has been taken to recover this " debt '' outside of sending me random letters every couple of months or so. I've disputed it many times over the years already. It's absolutely appalling how they have been able to hijack my credit for almost 10 years now with no resolution in sight. At 7 years, if it was reported properly as a collections debt, this would have dropped off by now and I wouldn't even need to continually contest it on my credit report, which I do every chance I get. But it wasn't, and it hasn't. When I've requested to have it investigated, all they send me is a packet in the mail with the account documents. No help. No " let 's figure this out ''. Nothing. They've stuck it on my report as a " loan '' for almost TEN YEARS and stopped reporting any activity many years ago, in XXXX when I got back from XXXX and eliminated the automatic withdrawing from my account once I realized what had happened. So it's been on my report all this time, sitting there gaining interest, yet no effort to actually properly report accurate data. This is wrong, immoral, and a horrible business practice. The statute of limitations has long passed ( no matter which state you're in ). They have not made any attempts to recover this debt through collections within the time the statute allows. I don't even care about proving that it wasn't me anymore. This has gone on long enough. A decade. A FULL DECADE. 

I wish for them to remove my account from their system, drop this debt from my credit report, and stop harassing me. I have already made multiple complaints across any platform that will take them, including the XXXX and the credit agencies.

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 2024-03-19 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
i am victim of identity theft someone has used my identity to obtain services and goods using my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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
Consumer complaint received 2024-03-19 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:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-03-19 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:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was denied credit from Citizens Bank, XXXX 's loan provider, on the purchase of an XXXX phone at the XXXX store. There was a loan in my name that I never initiated, signed for or knew about. A portion of the loan was charged off when I became aware when they denied me credit for a new XXXX phone. I spent multiple hours trying to get them to correct the erroneous report that I had a charged off loan balance and the only choice they would give me to to fix this was for me to pay the charged-off loan amount to fix this, which I did. Several months later now, I attempted to purchase an XXXX phone again, and was denied the loan again and the charged off loan, now paid in full was still being used to deny me credit. I have spent hours again with multiple representatives trying to correct this again. I have been transferred to multiple departments and told I need needed to speak to a supervisor only to be told that the supervisors declined to speak with me. I go back to the referring department and again am told that I could not speak to a supervisor or the supervisor would call me back which never occurred. Again today, I was told to call the main number again tomorrow and make another attempt to correct this. So here I am, a consumer with credit reports all in the XXXX range being denied credit for a charged-off loan that was fraudulently placed in my name, that I have spent hours trying to correct, that I was fraudulently forced to repay in an attempt to clear the erroneous information and this Federally chartered bank with regular employees not empowered to correct any problems and who's supervisors refuse to speak with me or listen to their employee 's when they try to explain the situation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-03-19 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: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-03-19 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: TX

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal 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