vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: MI

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In Accordance, with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.Thank you for your prompt attention to 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 2024-09-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In Accordance, with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: CA

Complaint narrative:
TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Negative Accounts Appearing on Credit Report Due to National Data Breach To Whom It May Concern, I am writing to formally dispute the inaccurate and negative information appearing on my credit report as a result of the national data breach. These negative accounts were not initiated by me and are the result of identity theft stemming from this breach. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 dispute guidelines, I am submitting this dispute under the following format for your immediate review and action : Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Reason for Dispute : Account created due to breach, identity theft, and unauthorized access. 

Metro 2 Compliance and Dispute Codes : Compliance Condition Code : XB ( Consumer Disputes This Information ) Dispute Reason Code : 103 ( Not Mine Fraud or Identity Theft ) FCRA 605B ( 15 U.S.C. 1681c-2 ) : As per this section of the FCRA, I am requesting that these fraudulent accounts be blocked from my credit report immediately. In addition, I demand the following actions : Immediate investigation and removal of the disputed accounts.

Implementation of a fraud alert and security freeze to prevent further fraudulent activity.

Provide confirmation that the accounts have been removed or corrected.

Attached are the necessary supporting documents, including an identity theft report and any correspondence related to this issue. As required by law, I expect a response and resolution within 30 days of receiving this dispute.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX Equifax and XXXX. They ( XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received an email corespondence on XX/XX/XXXX, XXXX  Their response was a " canned '' response that " The information you disputed is accurate and complete, so we must decline your request that we modify or delete the disputed information '' A second letter was sent today ( XX/XX/year>XXXX  ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian XXXX and XXXX. They ( XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received an email corespondence on XX/XX/XXXX, XXXX Their response was a " canned '' response that " The information you disputed is accurate and complete, so we must decline your request that we modify or delete the disputed information '' A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required 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 2024-09-07 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
There is a company collection account on my credit report called Portfolio Recovery Associates XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX and the account number is XXXX for a balance of {$820.00}. I believe that this is fraudulent account because on my XXXX report it is saying that this account was opened on XX/XX/year> and this is not true. I would like you guys to delete this account from my credit file because its not my account. I'm gong to upload information that can verify my identity such as a Massachusetts ID card and copy of my U.S. Passport and Social Security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX ATTN CREDIT DISPUTES XXXX XXXX XXXX XXXX, UT XXXX Re : XXXX XXXX. 
Account # : XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, 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 2024-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Dovenmuehle Mortgage, Inc.
State: UT

Complaint narrative:
We are submitting a formal complaint about the lengthy and challenging VA loan assumption process we are experiencing with XXXX XXXX XXXX XXXX and their servicing company, Dovenmuehle. 
On XX/XX/year>, we entered into a contract to purchase a home owned by a veteran. This property was advertised with a VA assumable mortgage at an attractive interest rate, a key selling point for us. Just three days later, the veteran submitted an application to XXXX XXXX XXXX XXXX for us to assume this loan. Initially, we were informed that all communication would be conducted exclusively through mail, with no option for phone or email contact. 
After weeks of waiting without any communication, the seller managed to obtain an email address. We promptly sent an email and received the application documents, which we returned on the same day. Additionally, we overnighted a paper copy to the service provider, Dovenmuehle. Despite responding to all requests within 24 hours, communication from Dovenmuehle has been consistently slow. The process finally entered underwriting on XX/XX/XXXX. We were required to send a check for {$4100.00}, which was cashed on XX/XX/year>. 
It has now been over 120 days since we initiated this process, with more than 74 days spent in underwriting. The initial documentation indicated that the entire process could take up to 90 days, including up to 45 days in underwriting. 
Communication with Dovenmuehle has been extremely difficult. Although the seller submitted official documentation authorizing both us and his realtor to inquire about the loan assumption, customer service representatives eventually stopped recognizing this authorization and imposed additional requirements to receive updates. 
Meanwhile, we are unable to close on the purchase of this home. Due to a job-related move to a new state, this situation is incredibly frustrating, costly ( exceeding $ XXXX in rental fees ), and challenging for both us and the seller. 

Please note : we have detailed records of all our communication with these companies related to this issue, if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : XXXX XXXX. Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, 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 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: FL

Complaint narrative:
on XX/XX/year> I used my XXXX XXXX debit card to access a mountain America credit union ( Macu ) atm to deposit cash. Not knowing that I was no a credit union member, the atm machine accepted my cash deposit of {$470.00}. 
I was in Utah on vacation skiing, and to make things worse I lost my XXXX XXXX debit card and the deposit receipt the next day. 
On XX/XX/XXXX while in Utah I went back to the Macu branch to inquire abt my mistake in depositing cash with a non member back and the teller at Macu told me that I had to wait 1 week so that Macu could collect & reconcile activity at the branch atm.

By then I had returned to florida, and I called Macu on XX/XX/XXXX I called the Macu branch and they confirmed they found deposited money equal to my {$470.00} from a non member but they told me I needed to contact my bank XXXX XXXX and their fraud department to coordinate with Macu.

After several months with several departments, on several calls, with both weeks XXXX and Macu neither could agree to reconcile my errant deposit.

In our last call with Macu, they said it was wells responsibility to reconcile. On our last call with XXXX XXXX in early XXXX XXXX XXXX said Macus request would not conform with their compliance and suspended supporting me. 
Lastly, despite a strip and computer chip XXXX XXXX do not have any record of my debit card accessing Macus atm. 
Lastly, we contacted visa as well but they refused to support as they said it was a banking issue and not merchandising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: AR

Complaint narrative:
I tried to redeem my Discover credit card rewards points toward a gift card online. Each time when I tried to redeem the points, my account got locked. That issue occurred constently for many days ( over one week ). I have called Discover for more than 20 times for this issue, but the issue could not be resolved. I have talked with representatives from the front-line support team, the web support team, the tech support team, and the security department XXXX No one could solve the issue for me. To make things worse, different people told me very different things. One representative said that since the system did not allow me to redeem the rewards points, just did not redeem it. Another representative said that he had reported this issue to the central office of Discover and I needed to wait for 36 hours and then all things would be just fine. I have waited for over one week, and the issue is still there. Another representative said that this was not a technological issue but a security issue and that I needed to talk with the security department. I talked with the security department, and they said this is not a security issue and the only people who could deal with it is the tech support team. Another representative from the security department said that this was indeed a security issue but they could not resolve it. The last representative said that the only option for me is keeping redeeming the points until it finally work. Well, I have already tried that for more than 50 time, and my account got locked each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
I recently encountered a concerning issue with my auto loan servicing. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX, with payments scheduled for the XXXX and XXXX of each month. Due to recent XXXX on my XXXX, I was XXXX  and unable to make my payment by the due date of XX/XX/XXXX. I informed XXXX via text message that I had just returned from the hospital and would be able to make the payment within the upcoming week and asked to let me rest. Instead of replying asking for a date, which would have been XX/XX/XXXX, he continued to allow the system to randomly run a process for the payment. 

Despite my clear communication, XXXX proceeded to process the payment on my account as soon as I unlocked my card for essential purchases such as XXXX  and a XXXX  diet. XXXX response to my situation was that he could not process payments for a later date and that he had tried calling me, to which I had mentioned my difficulty in speaking due to my XXXX and preferred to communicate via text. I asked why didnt he respond via text when he read the text. XXXX response was how was I supposed to know you couldnt speak. 

I am concerned about the lack of flexibility and understanding in this matter, especially given my health circumstances. Additionally, I believe that the company 's practices may not align with ethical customer service standards. 

I would appreciate a review of this situation and a resolution that considers my current health situation. Please let me know if there is a way to address this issue or if further steps need to be taken. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian XXXXXXXX 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 I am filing a complaint against all three major credit reporting agenciesExperian, XXXX, and XXXXregarding their failure to accurately report multiple accounts. I have formally disputed the following accounts, but they continue to reflect inaccurate and damaging information on my credit report : XXXX XXXX ( Account Number : XXXX ) Incorrect balance and inconsistent payment history. 

XXXX ( Account Number : XXXX ) Discrepancies in balance and payment status, resulting in a negative credit. 

XXXX XXXX XXXX ( Account Number : XXXX ) Reported collection account with inaccuracies in the date of the last payment and balance. 

XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) Reported as a charge-off while currently in litigation under case number XXXX. 

These reporting errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy. The inaccuracies on my credit report have caused significant financial harm, hindering my ability to obtain necessary housing and transportation for my family. Additionally, the negative reporting has contributed to mental health issues such as anxiety and XXXX. 


I seek the assistance of the CFPB to ensure that these credit reporting agencies comply with the FCRA and correct these inaccuracies promptly.

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 2024-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dont feel I should pay an account that I did not authorize to be opened I already reported fraud and sent that proof of a previous report over to you guys and you have still FAILED to remove these discrepancies from my credit profile it is hurting my ability to obtain credit According to the Fair credit reporting act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item for my credit report. 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 non-monetary relief