vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
It was a personal loan however we purchased a vehicle with it. One main was aware of this as they sent us to the dealership they deal with and they were sent a copy of our title.. The loan was discharged due to bankruptcy. They discharged it on my husband and myself and I didnt file bankruptcy, then continued to collect payments from myself until I just happened to see the charge off on my credit report. They refuse to remove the lien from the title of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXXXXXX Balance : {$310.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I started to XXXX XXXX that I went to another phone company therefore I was never using any of the phone service. They still charged my automatic billing and refused to refund me and Citi card didn't make it any better. I told Citi the same issue and they still favored XXXX and reversed the charge. They are the worse at these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: MD

Complaint narrative:
While reviewing my credit report, I noticed several inaccuracies. I have a late payment on XXXX separate accounts that I in fact paid on time. The consumer reporting agencies have a duty to report information with complete accuracy. This account has not been late on these payments. I have attached some screenshots indicating the errors on the following : Account name XXXX XXXX  XXXX XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Late Payment, XXXX, XXXX, XX/XX/XXXX According to 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Veros Credit, LLC
State: CA

Complaint narrative:
veros credit company has a debt with my name on the loan but i never did business with them i also try many time to resloved the matter. there two thing concern mw with this contract i didnt have any knowledge of that veros credit was sign after i sign my name with the creditor thats listed before verson sign after we made a deal the original owner sold the debt veros collected on a debt they did not own also i had no agreement with veros i was a co signer but verson was never listed in the contract they harressment on the debt going as far reporting it on my credit causing hardship i did a cfpb report for asstiance to help with the issue was not sucessful they still reporting as if we did bussiness but it was actual ez auto who i did business with they fraud documents with everyone knowledge knowing the cfpb knows the fora laws was not enforced to protect the consumer it clearly showed that the contract was with ez auto and now veros credit. 

my right was voilated. 15 usc 1681 n 15 usc XXXX XXXXXXXX veros credit fraud the contract thye have 15 days to provide the wet ink signture u had with veros this debt is paid but default and i demand a full refund of the amount they took without proper documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NH

Complaint narrative:
WAYPOINT RESOURCE GROUP keeps sending derogatory marks to my credit and effecting my score. I have disputed their marks multiple times and they have been removed multiple times due to false information being reported. They claim to be collecting a debt on behalf of XXXX, but XXXX has communicated to me I have no active balance due and my account from 7 years ago was paid in full with no debts owed. WAYPOINT RESOURCE GROUP ignore this and every couple years falsly reapply this derogatory mark to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending this complaint to convey my deep disappointment regarding the inaccuracies and omissions found in the information provided on my credit report. The data provided for the mentioned accounts is insufficient for proper validation, and I urge you to promptly take action to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

It's perplexing to me that while other credit bureaus have successfully removed these accounts from their records due to identified errors, you have somehow verified them. I urge you to rectify this discrepancy by expunging these entries from my file, as they are either inaccurate, erroneous, incomplete, or unverifiable. 

I expect a comprehensive investigation into these matters, along with any supporting documentation utilized to validate these debts. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. 

Your persistent failure to adhere to FCRA guidelines and disregard for my rights is unacceptable. I demand the prompt removal of these items from my credit report, as they fail to meet the necessary criteria for accurate reporting. Any further delay or disregard of my rights will result in legal action against your organization. 

It is imperative that you address this matter promptly. I anticipate your compliance with FCRA guidelines to ensure accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
So there is a few issues going on here now under the Fair Debt Protection Act and Consumer Financial Protection Bureau a debt collector can not buy debts that are not in default when they were obtained .. Now with that being said on XX/XX/XXXX I purchased a mortgage thru XXXX  XXXX  Shortly after I signed the mortgage it was sold to debt collector.. So on XX/XX/XXXX I received a welcome letter from a DEBT COLLECTOR COMPANY called M & T Bank.. But my first mortgage payment wasn't due until XX/XX/XXXX ... This clearly a violation under FDCPA and CFPB... Also when I requested a check or bank transfer fromXXXX XXXX they sent me a copy of a photo shopped bank stated the they paid {$350000.00} on XX/XX/XXXX but M & T Bank says I owe $ XXXX there's clearly some fraudulent things going on here .. Also over the last several months I asked M & T Bank under OATH did they purchased my mortgage they said no it was transfer buXXXX XXXX XXXX stated on XX/XX/XXXX they sold the mortgage shortly after I signed it.. So this is why I reached out to CFPB for help because both companies continues to be untruthful on this mortgage..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom this may concern, After checking my credit reports I have found some false inquiries listed on my most recently reviewed consumer reports, there are unverified inquiries that does not have accounts attached. Also, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
Inquiries Listed Below : XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. 
Starting 30 days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX Without Prejudice, all natural inalienable rights 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