vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Goodmorning, our loan # XXXX in Roundpoint mortgage bank And we are calling and trying to pay regular XX/XX/year> mortgage payment {$3700.00} it's not accepting through, XXXX XXXX tells their is over due {$13000.00}, last month Roundpoint bank send to us Modification documents for $ XXXX request were we behind and we send our payments history pages. They not answering for correct balances. 
XX/XX/year> we paid additional $ XXXX over due balance is supposed {$6500.00} on also in our dispute, we already send payment history to check and give us correct balance we want pay.. XXXX XXXX keep say {$13000.00} if not pay full amount they don't want receive regular mortgage .monthly payments {$3700.00}. XXXX XXXX threatened us will take go foreclosures. 
Please call help us phone # XXXX. 
Thanks

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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-10 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2024-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XX/XX/XXXX - I was unable to transfer money from my Marcus by Goldman Sachs savings account. I kept receiving an error message on their app. 

XX/XX/XXXX - I called Marcus and detailed the problem. They then said my account was closed and that they were not required to disclose why. I was then told that I would receive my funds in 7-10 business days, along with written correspondence on this. 

XX/XX/XXXX - I did not receive my funds, nor any correspondence. I called again and was told that the previous representative did not initiate the fund transfer. This representative said they just initiated it and I should receive my funds within 7-10 business days in the original funding account. 

XX/XX/XXXX - No funds nor correspondence. I called again, and they now said that I am under investigation and that they will hold my money until they conclude their investigation. I asked how long this would take, and why I was being investigated. The answer received was they can not say.

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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened a new Skypass credit card on XX/XX/year>. The advertisement of the credit card noted that I will receive XXXX sign-up bonus miles once my spending reaches {$4000.00} within 3 months after opening the account. I spent more than {$4000.00} within 3 months, eligible for receiving the promised bonus miles. However, as I did not receive the sign-up bonus miles, I contacted the card company to resolve this issue. They verified I did not receive the miles. The letter from the credit card company states, We are unable to process this request because existing or previous SKYPASS Visa Signature cardmembers are not eligible if you have received a new account bonus for this product in the last five years, which is their new policy. There wasn't this policy when I opened the new credit card. If there were this policy at that time, I would not have opened this new card. While I opened a new credit card from this company before the new policy was implemented, they retrospectively applied the new policy to me. This is a problem.

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 2024-10-10 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: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries.

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

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Today at XXXX XXXX  XXXX someone opened an XXXX Checking account in my name. At XXXX XXXX  XXXX I received another email with this information where they logged in Device : XXXX XXXX - Chrome When : XX/XX/year> at XXXX XXXX XXXX then at XXXX XXXX  XXXX I received another email stating Your Online E-mail Address Change on the account. I did not setup the account or request the email address change. I called XXXX and spoke with there Fraud Department and was told that the account was indeed opened today no transaction had taken place the account was closed and they would report that the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
They keep calling from trans world systems inc. I dont owe any debt

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

Complaint narrative:
violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.. Account name... .XXXX XXXX XXXX XXXX. Account XXXX XXXX ... Account Name .... XXXX XXXX XXXXXXXX ... Account # XXXX ... Account Name .... XXXX XXXX XXXX ... XXXX Account # XXXX .... Account Name .... XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ... Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX ... Account Name .XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX ... Account Name... XXXX  XXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXX XXXX XXXX  .... Account # XXXX .... Account Name .... XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX .... Account Name .... XXXX XXXX XXXX XXXX XXXX  .... Account # XXXX. 15 U.s.c 1681 section 602A. States I have the right to privacy ... 15 u.s.c 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions .... 15 u.s.c 1681C ( A ) ( 5 ) section states ' No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years.. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

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 2024-10-10 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: Hunt & Henriques
State: CA

Complaint narrative:
I am requesting to have the negative impact of a revolving account removed from my credit report. I settled this debt prior to it being seen by the court, and expected the judgement to be completely vacated. I am requesting relief as per the following circumstances... 

This account was charged off and settled. Upon waiting for an update on my credit reports, I became aware of the negative impact this account has had on my credit report, which is very concerning to me. 

In XX/XX/XXXX, I enrolled in a debt relief program with a company called XXXX XXXX. Their program was intended to help consolidate my debt and expedite my path toward returning to the XXXX credit score I'd had, and becoming debt-free. Unfortunately, I was misled. I was not informed that this company would deliberately allow my accounts to become delinquent in order to negotiate settlements with my creditors. This action severely damaged my otherwise strong credit profile. XXXX XXXX also implemented a Power of Attorney over my finances, assuming control over all communications with my creditors. 

As a result, I was disconnected from any direct communication with the company and my other creditors for over a year. This has had a profound and damaging effect on my credit profile and score. After realizing the detrimental impact of my relationship with XXXX XXXX, I terminated my involvement with them in XX/XX/XXXX. Despite their promises, they failed to act in my best interest, continuing to collect payments from me while not making payments to my creditors as agreed. 

I was discouraged by XXXX XXXX from communicating directly with my creditors or considering alternative options they may have been able to offer. I now understand that this was not in my best financial interest. Given the circumstances, I am hoping to explore potential options to address this situation and possibly correct the negative reporting on my credit profile. I am committed to working with you to find a resolution that benefits both parties. 

Thank you for your time and consideration of this request. I look forward to hearing from you and working together to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
this account was not open by me XXXX XXXXBalance details 0 % paid off Balance {$410.00} Balance updated XX/XX/XXXX Original balance {$410.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary 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 PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my latest credit report, I found several accounts that appear to have been added without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-10-10 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: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notification Dear REC MGT GRP This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, whic

h may include seeking damages, an injunction, and any other remedies available under the law. This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be purs
ued in the future, all of which are expressly reserved.

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