vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date Of Birth : XX/XX/1999 Content of Complaint : The CFPB has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulently, inaccurate, and false information consist of personal credit account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Reported BY XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX Amount : XXXX ( Reported BY XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX : XXXX ( Reported BY XXXX XXXX XXXX ), also consist of XXXX XXXX XXXX XXXX Amount : XXXX ( Reported BY XXXX XXXX  ), XXXX XXXX Amount : XXXX ( Reported By XXXX XXXX ) also consist of an account with XXXX amount : XXXX, also consist of utilizes bill with XXXX XXXX XXXX XXXX XXXX XXXX Amount : XXXX ( Reported by XXXX XXXX XXXX ) also a credit line with XXXX Amount : XXXX, and finally also consist of a loan with XXXX XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections or hard inquires as reported. The aforementioned accounts, collections, and hard inq appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inq are results of identity theft and fraud, I have attached a copy of FTC identity theft criminal complain # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit account, collections and inq are result of identity theft and fraud

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 2024-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Genesis Credit Management, working on behalf of XXXX at XXXX, is rapidly increasing the amount of my debt owed monthly. The account was added to my credit profile in XXXX of XXXX and the original amount of the debt owed was {$130.00}. Since then, that amount has increased to {$130.00} as of XX/XX/XXXX. I will provide photos of the increases in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding a credit reporting issue where I encountered difficulty in submitting disputes and obtaining information about the disputes by mail, online, and over the phone. Despite my attempts to resolve the problem directly with the company, they have not provided the requested information. The credit bureaus ' stall tactics have obstructed my ability to resolve inaccuracies on my credit report. Under penalty of perjury, I attest that these dispute letters were produced by me with software assistance to read my credit report. Attached are my ID, social security card, and proof of address ; I am submitting this to the CFPB due to the bureaus ' intentional difficulty in disputing by other means.

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 2024-07-07 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:
My financial information has been compromised. My wallet was lost in 2016. I have received letters, & inquiries on accounts that are not mine. Even when im on vacation inquires come through. I need all credit bureaus to validate all accounts present on my report. I would like for each bureau to remove erroneous addresses and items that have past the statues of limitations.

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 2024-07-07 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccuracies in the personal information section that is damaging my credit profile and requires immediate attention.

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 2024-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
CFPB Complaint : Credit Corp Solutions I am filing a complaint against Credit Corp Solutions , Inc. ( " Credit Corp '' ) regarding their debt collection practices for a debt they allege I owe.

Credit Corp has violated the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide debt validation information under 12 CFR 1006.34 ( b ) ( 5 ).

Credit Corp has violated the FDCPA by placing a collection on your credit report without giving you a chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Credit Corp has violated the FDCPA by using false, misleading, misrepresentation, and deceptive means in their collection attempts.

Credit Corp has violated the FDCPA by furnishing an amount to a credit reporting agency without providing the required disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

I request that the CFPB investigate Credit Corp 's debt collection practices.

I request that Credit Corp be ordered to : Validate the debt they claim I owe.

Provide a copy of the purchase agreement between Credit Corp and the original creditor.

Furnish proof that they are licensed and bonded to collect debt in your state.

Remove the collection from my credit report. 
Cease all communication attempts until the debt is validated. 


See attachments : Proof of ID, Address and CC : FTC REPORT NUMBER # XXXX CC : XXXX  SAG : in my State Louisiana SAG : in your UTAH Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

To resolve this matter fairly, I propose the immediate removal of these accounts from my credit report to comply with legal requirements. If there are any discrepancies or further clarifications needed, I am willing to provide additional information or documentation. 

I appreciate your prompt attention to this matter and look forward to a swift and fair resolution.

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 2024-07-07 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 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 explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
Affirm declined XXXX loan without stating reason despite high credit score and income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The amount of the updated balance {$3900.00} is the balance that should be reporting on my report.On my XXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The amount of the updated balance {$3900.00} is the balance that should be reporting on my report.On my XXXX account

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 2024-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased my XXXX XXXX XXXX in XX/XX/XXXX from U.S Auto Sales, which has been marred by significant financial and operational issues related to the loan servicing. Here are the pertinent details and grievances : Remote Vehicle Disabling : Similar to the complaint referenced, my vehicle has been remotely disabled by the lender due to missed payments. This practice has restricted my access to my vehicle during critical times, causing undue inconvenience. 

Misleading APR and Down Payment Requirement : The complaint noted misleading APR terms and unnecessary down payment requirements. Similarly, I was coerced into accepting a high Annual Percentage Rate ( APR ) of 20.90 %, far exceeding what was originally presented during the purchase process. Additionally, I was compelled to make a down payment of {$1200.00}, which I believe was unjustified based on the terms of the loan agreement. 

Debt Collection and Harassment : Following the transfer of my loan to Westlake Portfolio Management, I have experienced relentless harassment tactics. Westlake falsely categorizes my account as delinquent and engages in aggressive debt collection practices, including frequent calls and intimidating communications. These actions have caused substantial distress and are in clear violation of consumer protection standards. 

Dates, Amounts, and Actions Taken : Purchase Date : XX/XX/XXXX Loan Amount : {$15000.00} Maturity Date : XX/XX/XXXX Original Term : 125 months Bi-Weekly Payment Amount : {$200.00} Payment History : Referencing the complaint, my payment history ( as detailed in the provided records ) illustrates consistent efforts to meet financial obligations despite ongoing challenges with loan servicing and harassment from Westlake Portfolio Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
I am a victim of identity theft and did not authorize this account with National Credit Systems for apartments with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
XX/XX/XXXX First Continental Mortgage paid {$5300.00} to XXXX XXXX tax office for property taxes. Even though they were sent a letter and paperwork informing them that we are 100 % tax exempt. Later, XXXX XXXX XXXX refunded First Continental Mortgage a check for {$1600.00} and mail the remaining balance to us. Which should have only left our escrow account {$3700.00} but we received a statement for {$13000.00} then {$9000.00}, {$8000.00}, {$7000.00}, {$6000.00} and now down to {$5300.00}. 
Payments made from XX/XX/XXXX to XX/XX/XXXX were returned stating that the amount was incorrect. But the mortgage payment amount changed every month. Now, this has messed up our credit because they are reporting we were late with payments, which is not true they just cashed the checks and returned them back to us. 
XXXX  of our family members ended up with XXXX and this put a decline in our income for a little while. We applied for a forbearance or loan modification from First Continental Mortgage. They declined to give us a forbearance or loan modification after they messed up our loan and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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:
My financial information has been compromised. My wallet was lost in 2016. I have received letters, & inquiries on accounts that are not mine. Even when im on vacation inquires come through. I need all credit bureaus to validate all accounts present on my report. I would like for each bureau to remove erroneous addresses and items that have past the statues of limitations.

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 2024-07-07 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: TX

Complaint narrative:
My financial information has been compromised. My wallet was lost in 2016. I have received letters, & inquiries on accounts that are not mine. Even when im on vacation inquires come through. I need all credit bureaus to validate all accounts present on my report. I would like for each bureau to remove erroneous addresses and items that have past the statues of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: IL

Complaint narrative:
I am writing to file a complaint regarding several fraudulent accounts on my credit report due to identity theft. Despite my attempts to resolve this directly with the credit bureaus, the accounts remain on my report. 

These accounts were not opened by me and are a result of identity theft. Attached to this complaint are copies of my FTC Identity Theft Report and the Police Report substantiating my claim. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to block information that is the result of identity theft from my credit report. The presence of these fraudulent accounts negatively impacts my creditworthiness. 

Please investigate this matter promptly and remove the fraudulent accounts

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 2024-07-07 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 writing to file a complaint regarding several fraudulent accounts on my credit report due to identity theft. Despite my attempts to resolve this directly with the credit bureaus, the accounts remain on my report. 

These accounts were not opened by me and are a result of identity theft. Attached to this complaint are copies of my FTC Identity Theft Report and the Police Report substantiating my claim. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to block information that is the result of identity theft from my credit report. The presence of these fraudulent accounts negatively impacts my creditworthiness. 

Please investigate this matter promptly and remove the fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX credit card opened XX/XX/XXXX and XXXX XXXX Credit card XXXX XXXX and XXXXXXXX XXXX XXXXXX/XX/XXXX. I do not recognize the aforementioned accounts or collections as reported. The above mentioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned accounts and collections are the result of identity theft and fraud. I have attached all correspondence 's and a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-07-07 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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