vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: MS

Complaint narrative:
I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused me severe distress, and I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with 100 % accuracy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be reported accurately. These accounts are in violation of FCRA regulations under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

Attached are copies of all correspondence previously sent to your agency. I urge you to promptly address these errors and ensure that my credit report reflects accurate and verified information, as mandated by law.

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 2024-06-25 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: MS

Complaint narrative:
I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused me severe distress, and I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with 100 % accuracy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be reported accurately. These accounts are in violation of FCRA regulations under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting.

Attached are copies of all correspondence previously sent to your agency. I urge you to promptly address these errors and ensure that my credit report reflects accurate and verified information, as mandated by law.

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 2024-06-25 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian has violated my federally protected consumer rights with the below negative accounts. 15 US Code 1681 states I have the right to privacy and confidentiality and that a consumer reporting agency can not furnish an account without my written permission or instructions. XXXX XXXX, XXXX Partial acct # XXXX, XXXX XXXX XXXX Partial acct # XXXX. Please see attached****

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 2024-06-25 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: Rocket Mortgage, LLC
State: MS

Complaint narrative:
I completed an application for a HELOC loan through XXXX XXXX and spoke with a rep name XXXX. He stated that I was approved and that they will need to get an appraisal of the property to determine the value. He he pull my credit and also stated that my score was a XXXX and if I could get a XXXX that they could provide a 80 % loan. 

XXXX called back the next week stating that he wasnt licensed for Mississippi and he was going to get someone who was. 

Then I received a called from XXXX XXXX stating that he was a XXXX XXXX rep and was going to be taking care of the file. XXXX then pull my credit again ( twice in 1 week with the same company ) and said I was not approved do to low credit score. The inquiry states XXXXXXXX/rocket mortgage. I did not knowingly speak to anyone from rocket mortgage and did not authorize a 2nd credit pull from the same company in 1 week. 

I received a letter in the mail stating that the reason for denial was because of insufficient collateral. This is not what was stated to me because no appraisal was performed to calculate the equity, which I have {$120000.00} of appraisal equity. 

Due to XXXX XXXX inaccuracy of performance of my file, please delete this inquiry. There were misleading and incorrect information giving to me from the reps such as credit being pulled twice in a week from the same company, and XXXX XXXX 2nd rep ) being a rocket mortgage agent and I was told that credit was being pulled 1 time only and the original representative was not licensed in my state to handle my file. 

Lastly, I received a letter from XXXX XXXX then saying I was denied due to value or type of collateral not sufficient. Although, we never got to to the appraisal process to determine the value. 

Inquiries : XXXX XXXXRocket Mortgage XX/XX/XXXX2023 ( unauthorized credit pull from an unknown company ) This inquiry is for the same loan when my credit was pull on the XX/XX/XXXX/2023. I did not apply with Rocket Mortgage at any time. Please remove XXXX XXXX XXXX XX/XX/XXXX2023 ( Please remove due the the representative XXXX not being licensed for my state to perform a mortgage ) They are responsible for my credit to be pulled twice in a one week time period. 
Please remove I am requesting that the following inaccurate items be immediately investigated. 
Please delete this misleading information in order to show my true credit history. 
By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of 15 USC section 1681j, there should be no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent letters to all 3 credit bureaus requesting accuracy and of disputes verification. Requested 3 times for items to be deleted. I requested names of individuals who verified info from their company. They did not provide info. They did not able to Section 611 ( 5 ) ( A ) of FCRA. They failed to comply with section 616 and 617 regarding civil liability. I demanded deletion of accounts I listed. I sent all mail via certified mail and have all receipts from post office. I mailed letters to credit bureaus on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I also sent letters via certified mail to each individual company requesting verification and deletion on XX/XX/XXXX. I have receipts from post office, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

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 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 2024-06-25 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: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In 2014, a federal government-backed debt security was used to acquire a {$970.00} line of credit for the trust estate in discussion. Without the consideration of the trust estate, PAYPAL HOLDINGS INC. presumed equitable interest, initiating a breach of fiduciary duties since the federal public security number owned by the Social Security Administration, a United States federal agency, was used to regulate the account. Through the oversight of material facts, PAYPAL HOLDINGS INC. has neglected their official capacity, committing the offense of embezzlement of federal funds, initiating damages. A Notice of Rescission of Equitable Rights was sent to PAYPAL HOLDINGS INC. with no response as of yet. PAYPAL HOLDINGS INC 's omission of material facts has caused them to devise a scheme to defraud, using the United States Postal Service for the purpose of executing this scheme.

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 2024-06-25 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: BROKER SOLUTIONS, INC.
State: MS

Complaint narrative:
I applied for a HELOC loan with New American Funding. They stated that they perform a soft credit pull to prequalify. After prequalifying my score was not approved due to some thing on my report needing correction. After those things were corrected, I requested for another soft pull ( just as they did with the 1st soft pull ) to see if I would be approved. When asked in the email, the rep XXXX did not respond, but he performed a hard pull in which I did not authorize. A soft pull was performed 1st and I was requesting the same to see if I was approved. The rep XXXX is no longer with the company. I received an unauthorized credit inquiry XX/XX/2023. 

Please remove as I did not authorize this credit pull I have enclosed emails asking about a soft pull as was performed before but received a hard pull and email not answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Dear XXXX, I consider this matter to be of utmost seriousness and respectfully request that all communications be conducted in writing via the Consumer Financial Protection Bureau complaint portal. Once again, I explicitly do not authorize any telephone contact. In my previous correspondence, I have provided documentary evidence detailing the dates and times of your phone calls. I have attached an updated copy of that report for your further investigation. Should these communications persist, I must emphasize that they may constitute harassment under the Fair Debt Collection Practices Act, and I retain the right to pursue appropriate legal actions to ensure compliance and protection of my rights. 

Please provide verification of your claim, by providing me with true and certified copies ( Not photocopies ) of the Deed of Assignment ( NOT Notice of Assignment ) and Deed of Novation. Please also provide me with the name of the individual who is the duly authorized representative from PORTFOLIO RECOVERY ASSOCIATES , LLC ( XXXX, XXXX ), who has seen the Original Note and is certifying these assignments as certified copies and that PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, XXXX ) now has the Original Note ( Credit Agreement ) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account. Please also confirm the name of the individual who is the duly authorized representative from PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, XXXX ), who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 
Please provide this information and documents within ten ( 10 ) days from the above date, so that I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper ; you have no legal standing ; no first-hand knowledge of this matter ; your claim is fraudulent ; any damages I suffer you will be held culpable ; you agree to pay all fee schedules ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter any further. 

Should you provide adequate evidence that I owe your organization any outstanding amount and that you have been properly assigned to collect this debt, I am willing to settle any verified claim in full. 
Yours sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I need XXXX inquiries removed off of my personal name, which is my credit report, because I did not authorize them Trans Union is reporting in accurate information. This is illegal under the American federal law. I will like these XXXX inquiries removed immediately or I will take legal action : XXXX XXXX XXXX XXXX- XX/XX/XXXX24 XXXX XXXX- XX/XX/XXXX24 XXXX- XXXX/2024

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 2024-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX they reveived a letter that I sent to them via certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) asking them for the contract that I have with them that includes wet ink signature. That letter was not filled out and sent back to me. Correspondence was sent back to me states that the application was taken over the the phone or the internet and do not have a paper copy to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i sent a notice of dispute dated XX/XX/24 to XXXX XXXX they received the dispute on XX/XX/24 tracking number # XXXX i.n the dispute i let them know that there was inaccurate information in my consumer report furnished to paypal credit/synchrony bank XXXX XXXX XXXX without my consent and paypal credit /synchrony bank did not follow reasonable procedures and failed to investigate the dispute its been more then XXXX  days already

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 2024-06-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i sent a notice of dispute dated XX/XX/year>24 to XXXX XXXX they received the dispute on XX/XX/year>24 tracking number # XXXX i.n the dispute i let them know that there was inaccurate information in my consumer report furnished to paypal credit/synchrony bank from XXXX XXXX without my consent and paypal credit /synchrony bank did not follow reasonable procedures and failed to investigate the dispute its been more then 30 days already

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 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I have a charged off credit card account from Citibank that was placed with XXXX XXXX for collection. The last letter I received regarding this account is dated XX/XX/XXXX from XXXX XXXX offering a resolution of my account for a total of {$1300.00} split into XXXX payments of {$110.00}. I had not received any correspondence regarding the account since that letter so I assumed that my account was still with XXXX XXXX. In XX/XX/XXXX I sent a check for the full settlement amount that was offered along with a letter clearly indicating that I wanted to accept the settlement and have the charge off removed from my account. I was under the assumption that if these conditions were not acceptable then my check would be returned to me. Instead, the check I wrote payable to XXXX XXXX was forwarded to Citibank and applied as a regular payment to my charge-off balance. I received a letter dated XX/XX/XXXX from XXXX indicating that my account was no longer being handled by this company and that my payment was forwarded to Citibank. I contacted Citibank and they are refusing to accept the settlement payment I sent XXXX as a settlement for my account. The first time I called, I was told that my settlement check was applied as a normal payment and that my account still has a balance due of {$3100.00} and that no settlement offer was available. I called again and was offered a settlement of {$1500.00}. I explained that was not possible and was then offered {$1000.00} which I stated was still not possible. We ended the call and I contacted a local attorney through my legal insurance. The lawyer told me to write a letter to Citibank explaining everything from why I fell behind on my account to the situation with the settlement check. I did that and the letter was sent on XX/XX/XXXX but I have received no response. This is why I decided to file a complaint. I feel like both Citibank and XXXX XXXX misrepresented the handling of my account. Why wasnt I notified by XXXX XXXX that they were no longer handling my account? Why didnt Citibank notify me of this since they are they original creditor? If my account was no longer with XXXX then I assumed I would have been notified at the very least by the new company that bought the debt. Was the debt ever sold? Why did Citibank place the debt with XXXX and then XXXX place it back with Citibank? I have included copies of all of the documents mentioned. Please help me in understanding the answers to my questions.

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 2024-06-25 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: AL

Complaint narrative:
I have sent multiple dispute letters regarding inaccurate information on my credit report, but the issues persist. Recently, I conducted an investigation of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report accurately. This has caused me XXXX  distress and XXXX. 

In accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. The accounts in question violate FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which mandate complete accuracy in reporting. 

Attached are copies of all correspondence sent regarding this matter. I urge you to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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