vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX that was in my dealer ship witout my knowledge XXXX  backgrounds miscellaneous apple card bank XXXX XX/XX/year> XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover has locked me out of viewing my credit card account since XXXX. I have spent several hours on the phone with IT and Discover Bank and no solution has been forthcoming. This has been an issue since a new mandatory program to XXXX XXXX was implemented. They have linked my account to a bank account that is not mine and the software program will not allow me to bypass it to view/ monitor my information or to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-26 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: GA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 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 as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not authorize thoses charges or account. I ask that the item be deleted to correct my credit report. 
I reported the theft of my identity to the federal commission and i also have enclosed copies of the federal trade commission Identity Theft Affidavit. Please delete the item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH MORTGAGE AND XXXX XXXX ARE ATTEMPTING TO FORECLOSE ON MY PROPERTY WITH FRAUDULENT ASSIGNMENTS, THEY HAVE BEEN SENT A QWR WHICH THEY WILL NOT SEND A RESPONSE TO. I ALSO SENT A NOTICE OF ERROR AND NOTICE OF DEFAULT. THE LOAN WAS APART OF THE GLOBAL WIDE SETTLEMENT WITH THE DEPARTMENT OF JUSTICE AND THE STATE ATTORNEY GENERAL,. THE HAVE REFUSED TO SEND THE GAP ACCOUNTING ALL PAYMENTS FROM PREVIOUS SERVERS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCM Finance LLC
State: TX

Complaint narrative:
ccm finance LLc also known as credit and cars master also known as XXXX XXXX XXXX ( XXXX  ) ( XXXX ) I the consumer would like to file this complaint on behalf of myself and many others you may check the XXXX website for more references of my concern ccm finance and others above violated 15.u.s.c code 1681 ,15 U.S.C. 1601-1667f 15.u.s. code 1635 the business above took complete advantage of my credit file and the transactions i have made. i the consumer went to get an auto loan for a XXXX XXXX XXXX XXXX XXXX, i have a car contract that states the car finance charge is {$13000.00} sale price of XXXX down payment of XXXX i purchased my own car insurance from a separate entity my monthly payment states i was to [ pay XXXX bi weekly i made my first car payment of XXXX and next month i see that XXXX was added and i was now to pay $ XXXX next month comes XXXX was now {$310.00} i will end up paying XXXX every 2 weeks after 3 months of having the car causing me to pay XXXX total month some weeks i paid 3 times due to 31 days in a month. this company applied all of my carnote payments to XXXX payments. the finance charge has been completely paid off while i was driving car the surety bond was cancelled. which breach the contract ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX after 4 months of having the vehicle i was already overpaying then what was in the contract. this company gives you the option to do auto pay of pay through XXXX XXXX  my usual payment was through XXXX XXXX  which made payments process a day later and sometimes the company ccm finance was having issues receiving payments which caused them to process my payments late then due date when it was processed the same day. the company came to reposes my car after car payment was made and the repo company verified payment and drop car from towing but in that process car got damage leaving me responsible for damages my car down payment was not applied to my car loan which was XXXX surety bond was cancelled illegal repo car was sold and sentimental items were in car nor was i told where it was sold i always tried to arbbritrate/ the rcredit reporting agencies dont match what is on contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: IA

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2024-09-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have XXXX accounts still showing Late payments on my XXXX XXXX and Experian and these accounts are XXXX XXXX showing late for XX/XX/23 on Experian and XXXX but not XXXX. XXXX XXXX showing late for XX/XX/23 and XX/XX/23 on XXXX and XXXX but not even showing up at all on Experian. I filed a lawsuit with XXXX already and I am doing the same as of today with XXXX and Experian.

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 2024-09-26 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: MI

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-26 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$250.00} XXXX XXXX XXXX XXXX. - XXXX - XXXX - {$180.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-09-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
To whom it may concern at Transunion, On XX/XX/year> I contacted Tranunion and I am writing to express my utmost frustration and disappointment with the service I received from one of your employees, " XXXX, '' in the Special Handling Department. Our conversation revolved around my request for an investigation into a letter regarding another investigation, and while " XXXX XXXX promised a resolution, she ultimately ended the call abruptly and unprofessionally after keeping me on hold for over 2 hours. This level of disrespect and unprofessionalism from a customer service representative is simply unacceptable. 

Throughout our conversation, I was given conflicting information by " XXXX XXXX XXXX first, she stated the issue was due to an incorrect address, and then later claimed it was due to the FCRA law. When I requested the specific section of the law for my own understanding, she refused to provide it and instead chose to hang up on me. As a XXXX XXXX XXXX XXXX veteran, who has served my country with honor, I should not be treated with such disregard and lack of respect. 

It is concerning to see that an employee of your company would behave in such a manner. I have taken the liberty of recording the entire conversation for my own records and for my attorney 's review. I am deeply disappointed in the lack of professionalism and respect shown during this interaction. I hope that appropriate steps will be taken to ensure that no other customer has to endure such poor treatment in the future.

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 2024-09-26 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:
To whom it may concern at Transunion, On XX/XX/year> I contacted Tranunion and I am writing to express my utmost frustration and disappointment with the service I received from one of your employees, " XXXX, '' in the Special Handling Department. Our conversation revolved around my request for an investigation into a letter regarding another investigation, and while " XXXX XXXX promised a resolution, she ultimately ended the call abruptly and unprofessionally after keeping me on hold for over XXXX hours. This level of disrespect and unprofessionalism from a customer service representative is simply unacceptable. 

Throughout our conversation, I was given conflicting information by " XXXX XXXX XXXX XXXX, she stated the issue was due to an incorrect address, and then later claimed it was due to the FCRA law. When I requested the specific section of the law for my own understanding, she refused to provide it and instead chose to hang up on me. As a retired United States XXXX veteran, who has served my country with honor, I should not be treated with such disregard and lack of respect. 

It is concerning to see that an employee of your company would behave in such a manner. I have taken the liberty of recording the entire conversation for my own records and for my attorney 's review. I am deeply disappointed in the lack of professionalism and respect shown during this interaction. I hope that appropriate steps will be taken to ensure that no other customer has to endure such poor treatment in the future.

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 2024-09-26 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: AL

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 6 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report.

I noticed these inquiries dont have permissible purpose and according to FCRA it must have permissible purpose and according 15 USC 1681 B XX/XX/XXXX - Capital XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXX Branch via XXXX Bank XXXX have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account # XXXX Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX XXXX XXXX from my credit report. A dispute was filed more than 30 days ago, requesting validation of the debt, specifically the assignment contract proving the debt was legally transferred or assigned. To date, there has been no response or valid proof of ownership provided by the creditor or debt collector. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of information in their credit report, the credit reporting agency is required to investigate the dispute and resolve it within 30 days. Furthermore, if the disputed information can not be verified within this period, the account must be deleted from the consumers credit report as required by law. 

I have attached a copy of my Consumer Financial Protection Bureau ( CFPB ) complaint, which also reflects that no valid response or verification has been provided within the legal timeframe. 

Given the lack of response and verification, I kindly request that you immediately remove this account from my consumer report in accordance with the FCRA. Please confirm in writing once this action has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX tached CFPB complaint for further documentation.

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 2024-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account # XXXX Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX XXXX XXXX from my credit report. A dispute was filed more than 30 days ago, requesting validation of the debt, specifically the assignment contract proving the debt was legally transferred or assigned. To date, there has been no response or valid proof of ownership provided by the creditor or debt collector. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of information in their credit report, the credit reporting agency is required to investigate the dispute and resolve it within 30 days. Furthermore, if the disputed information can not be verified within this period, the account must be deleted from the consumers credit report as required by law.

I have attached a copy of my Consumer Financial Protection Bureau ( CFPB ) complaint, which also reflects that no valid response or verification has been provided within the legal timeframe.

Given the lack of response and verification, I kindly request that you immediately remove this account from my consumer report in accordance with the FCRA. Please confirm in writing once this action has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX tached CFPB complaint for further documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation of Dispute Under FCRA Dear Equifax, I hope this letter finds you well. I am writing to formally dispute the failure of your agency to investigate a dispute that I submitted on XX/XX/year>, XX/XX/year> and XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ask for an investigation regarding inaccurate or incomplete information on my credit report. 

The specific information I am disputing pertains to inaccurate items reporting within my credit report. According to the FCRA, you are required to conduct a reasonable investigation into my dispute and provide me with the results of that investigation. 

Despite my previous correspondence, I have not received a timely or substantive response regarding the status of my dispute. As I understand, Section 611 of the FCRA outlines the requirement for you to investigate disputed information within a reasonable time frame and to notify me of the findings thereafter.

I kindly request that you reinstate the investigation of my dispute and provide me with an update on its status. Furthermore, I request that you ensure the accuracy of the information being disputed and provide the necessary documentation to support your findings as well. 

Enclosed are copies of the specific accounts I am disputing. I trust that you will handle my request with the urgency it deserves in compliance with the FCRA. 

Please respond to me at your earliest convenience to confirm receipt of this letter and provide an update on the status of my dispute investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation