vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
HELP!!!!! My personal information has been played with so many times. Either the same person, or many others have access to my personal info. THIS IS ABSOLUTLY CRAZY. I NEED SOMEBODY TO FIX THIS ASAP!!! Im a simple person, living a simple life. I work hard for the little things I have. People taking peoples personal information and hurting peoples lives!! These accounts are not mines and I want the person locked up and then locked up again!. If you didnt call me to verify the accounts when they were being opened up. Then the accounts are not mines because I dont know anything about the accounts below!! 
I am a victim of identity theft, and I did not make these charges. Enclosed is a copy of my Identity Theft Report Case # XXXX supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

In accordance with the Fair Credit Reporting Act XXXX. The below accounts has violated my right.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

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 2024-11-19 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: NY

Complaint narrative:
HELP!!!!! My personal information has been played with so many times. Either the same person, or many others have access to my personal info. THIS IS ABSOLUTLY CRAZY. I NEED SOMEBODY TO FIX THIS ASAP!!! Im a simple person, living a simple life. I work hard for the little things I have. People taking peoples personal information and hurting peoples lives!! These accounts are not mines and I want the person locked up and then locked up again!. If you didnt call me to verify the accounts when they were being opened up. Then the accounts are not mines because I dont know anything about the accounts below!! 
I am a victim of identity theft, and I did not make these charges. Enclosed is a copy of my Identity Theft Report Case # XXXX supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

In accordance with the Fair Credit Reporting Act XXXX. The below accounts has violated my right.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management because they are trying to collect a debt that I do not owe. They have been reporting incorrect information to the credit bureaus and have ignored my request to stop contacting me. Their actions are unfair and against the law. 

Details of the Problem : Illegal Collection Practices ( FDCPA Violations ) : I asked Midland Credit Management to prove that I owe this debt. They have not given me any proof or proper documents. The Fair Debt Collection Practices Act ( FDCPA ) says they must provide proof when requested. 
I also sent a Cease and Desist letter to Midland Credit Management, asking them to stop contacting me. They ignored my request and continued trying to collect the debt, which is against FDCPA rules. 
False Information on My Credit Report ( FCRA Violations ) : Midland Credit Management has been reporting false information about this debt to credit bureaus like XXXX, XXXX, and XXXX. They have listed incorrect balances and wrong dates, which has damaged my credit score.

Under the Fair Credit Reporting Act ( FCRA ), they are required to make sure the information they report is accurate, but they have failed to do this. 
Failure to Validate the Debt : I asked Midland Credit Management to verify and validate this debt, but they have not provided any proof. Without this verification, they should not be allowed to continue collecting or reporting this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
This is a THIRD complaint on the same issue with this company. See previous complaints : # XXXX and # XXXX. 
The response provided by NewRez Compliance Department employee XXXX XXXX dated XX/XX/XXXX, states NewRez sent an email to me on XX/XX/XXXX. I sent XXXX emails to NewRez ( Assumption Department and Loan Consultant XXXX XXXX ) on XX/XX/XXXX ; NewRez did not send an email to me on XX/XX/XXXX, and has NEVER provided an email with an update on this matter. Note : My XXXX emails sent on XX/XX/XXXX, were second requests ( first request XX/XX/XXXX ), for an update on the assumption. I have also emailed several requests prior to this time for an update and have heard absolutely nothing from XXXX XXXX. 

Both parties to the assumption have asked repeatedly for an update since XX/XX/XXXX. If NewRez sent an email to me on XX/XX/XXXX, it was sent to the wrong email address. 

I am asking for a copy of the email NewRez says was sent to me on XX/XX/XXXX. This response also indicates I called NewRez on XX/XX/XXXX, which I did. If an email had been sent to me by NewRez on XX/XX/XXXX, as reported by XXXX in the letter dated XX/XX/XXXX, why wasn't I told this on XX/XX/XXXX? The response also indicates I was to follow-up with NewRez on XX/XX/XXXX, as the complaint would be escalated. XXXX ' response makes no sense! 

NewRez does not take customer service or complaints seriously, as can be seen by the above response provided by XXXX on XX/XX/XXXX. They did not research the issue to obtain the correct information for the response provided.

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 2024-11-19 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-11-19 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I purchased the " XXXX XXXX XXXX XXXX XXXX' mentorship program for {$1800.00} using Afterpay 's payment service. The program was advertised to include : Weekly group calls via XXXX XXXX XXXX  accessible through a private XXXX XXXX and online XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, during my one-month participation, the merchant failed to deliver these services as outlined in the contract : Mentorship Failure : Multiple weekly calls were canceled without rescheduling, and there was minimal feedback or support in the private group. 
Program Inaccessibility : Course materials contained errors, and my questions went unanswered, making it impossible to complete the course. 
Removal from XXXX XXXX : After expressing dissatisfaction, I was removed from the private XXXX XXXX, limiting access to promised resources and group interaction. 
I contacted the merchant to address these issues. The merchant admitted to failing to provide mentorship due to " internet issues '' but refused to issue a refund, citing a no-refund policy. This policy is void due to their breach of contract. 

Actions Taken : Dispute with Afterpay : I filed a dispute with Afterpay, providing evidence including the signed contract, emails with the merchant, and screenshots of the XXXX XXXX 's inactivity. Despite this, Afterpay ruled against me, stating that the merchant fulfilled their obligations " in line with our agreement. '' Afterpay 's response ignored the contractual obligations breached by the merchant and failed to address the evidence I provided. 
Afterpay 's Terms of Service : According to Afterpay 's Terms of Service, they provide services that allow merchants to offer consumers the ability to pay for goods or services in installments. 
AFTERPAY However, they also state that they are " unable to help with queries about returns/cancellations or modifying existing orders. '' This indicates a limitation in their dispute resolution process, leaving consumers without adequate recourse when merchants fail to deliver services as contracted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2024-11-19 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: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-19 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: VA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on [ FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX 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 2024-11-19 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: VA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on [ FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have called, sent letters, tried online to fix since XXXX  and have not had any luck. There is a " extended fraud alert '' on my credit report. I have sent multiple letters with information to verify my identity and they send letters back and ask what kind of alert i am wanting to replace. It seems like no one can read a letter clearly or remove the report from my credit. I have been denied auto loans, mortgages and other due to other companies not being able to verify the alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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 2024-11-19 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX & XXXX XXXX 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