vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding their repeated failure to investigate and respond to dispute letters I have sent concerning inaccuracies on my credit report. In addition, I disputed incorrect personal information listed on my credit report. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed dispute letters to TransUnion, explicitly requesting an investigation into inaccurate items listed on my credit report. Despite my repeated efforts to address these inaccuracies and adhere to the dispute resolution process outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion has refused to conduct the necessary investigations. I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. I received a response back from TransUnion dated XX/XX/XXXX and XX/XX/XXXX stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report. 

TransUnion 's failure to acknowledge and investigate my dispute letters is a direct violation of my rights as a consumer under the FCRA. The persistence of inaccurate information on my credit report due to their inaction has caused significant distress and uncertainty regarding my financial standing. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure TransUnion 's compliance with the FCRA. Furthermore, I request that TransUnion promptly conduct the necessary investigations into the disputed items on my credit report and permanently remove the disputed items.

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 2024-03-31 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: FL

Complaint narrative:
I am writing to express my dissatisfaction with the results of the investigation regarding my dispute with TransUnion, as indicated in the report dated XX/XX/2024. According to the report, no change was deemed necessary regarding the status/type of the account with Bankruptcy XXXX # XXXX. However, I strongly contest this decision and request further clarification on the matter. 

First and foremost, I would like to inquire about the method of verification employed by TransUnion in confirming the status of the aforementioned account. As per the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) and ( 7 ), it is imperative that the verification process be conducted thoroughly and accurately. I seek transparency regarding who verified this account and what specific measures were taken to ensure the accuracy of the information provided. 

Furthermore, I must emphasize that the bankruptcy court does not typically report bankruptcies directly to credit bureaus such as TransUnion. As previously communicated in my complaint t # XXXX, I have submitted documentation as evidence to support my dispute. 

I hereby request that TransUnion promptly reevaluate the status/type of the account with Bankruptcy XXXX # XXXX and provide a detailed explanation of the verification process undertaken. If it is determined that the information reported is indeed inaccurate or incomplete, I insist that TransUnion takes immediate action to rectify the error and delete this account accordingly.

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 2024-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I took out a personal loan with OneMain Financial Group, LLC XX/XX/XXXX. This was to refinance a current loan with OneMain and get additional money. The loan amount was {$9300.00}. Cash to me, {$4500.00}, Amount Paid on my Prior Account {$2600.00}, Fees Financed {$100.00}, and Optional Credit Insurance Financed. In XXXX I started having financial hardships. OneMain offered to defer my payments of $ XXXX asked if they would report me to the credit bureau . They said no as long as I make the deferred payments of {$160.00}. OneMain Reported to the three credit bureaus that I had deferred my payment. This is a breach of a verbal agreement. When I would come into the office to make my payment, the ladies would do some shady transactions with the receipt. I did not notice it until now when I pulled all the papers for the money I gave them. 
XX/XX/XXXX, Payment {$20.00}. Principal {$2.00}, Interest {$17.00}, new balance {$9200.00}. 
XX/XX/XXXX Payment {$160.00}, Principal {$8.00}, Interest {$140.00}, new balance {$9200.00} ( only {$4.00} deduction ) The Deferment Agreement was written on XX/XX/XXXX, but on it my next payment was due XX/XX/XXXX. Making a payment on XX/XX/XXXX, would make my payment late and a late fee taken out of {$15.00}. The same thing went on in XXXX. Out of {$160.00}, {$0.00} went to the principal, {$150.00} went to interest and {$14.00} went to late fees. New balance {$9200.00}. Deduction of only {$5.00}. On XX/XX/XXXX I made a payment of {$160.00}, principal {$7.00}, interest {$160.00}, and no late fee. New balance {$9100.00}. That's a {$12.00} deduction from XXXX XXXX this rate it would take years, too many years to pay off this loan. I had credit insurance. Why didn't thwy use it to write off my balance. XX/XX/XXXX OneMain charged off the balance and set my account to OneMain 's Account Resolution Center for collection. How are you going to charge off and then send for collection and not use my credit insurance? OneMain is still reporting to the three credit bureaus that I have missed a payment since XXXX. OneMain continues to effect my credit score with fraudulent information about me. I can not establish new credit with the damage they have done to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: WA

Complaint narrative:
I sent NOTICE to Equifax Information Services on XX/XX/XXXX Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax received NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX , GA and NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX, GA ( View details on USPS ) . The LEGAL NOTICE advised from recent amendments as to the ( FACT Act ) XXXX that Credit reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted. This means that reports for collection purposes are only allowed when collecting on an obligation arising from a credit transaction. I have included documentation along with the LEGAL NOTICE from the child support agency that child support is not any sort of a loan transaction from the child support agency as well to support removal according to the FACT. Equifax response did not remove the information as required by the FACT Act and sent a reply stating that Equifax verified the amount of the of the delinquent account. I at no time gave Equifax any permission to report this transaction and have sent several documents supporting the removal. I have also included a copy of ****Important Notice**** sent to another credit reporting agency which was posted on the XXXX from the FTC notifying of same requirements of Federal Law. See attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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:
accordance with the Fair Credit Reporting act, the list of account below : XXXX XXXX XXXX XXXX violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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. Delete the accounts below : 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
Consumer complaint received 2024-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Around XX/XX/XXXX - XXXX of XXXX, we received conflicting information about how the Capital One Venture X card 's annual {$300.00} travel credit worked. On the website, they had a tracker that showed that the credit would reset in XXXX of XXXX. We were unsure of what date that meant so we called multiple times and spoke with reps to confirmed. In fact we had cases escalated so it would be recorded. 

Ultimately we were told by Capital One reps that we can make any transaction in the month of XXXX and up until the last day of the month ( XX/XX/XXXX ) for it to be applied to the XX/XX/XXXX- XX/XX/XXXX anniversary year. When asked for a case number, the rep just gave us her ID : XXXX. 

Jump forward to XXXX of XXXX - we try to use the credit but are now told the opposite that we can't use it. They make different versions of events saying they don't have records of the conversation ( even though it's less than a year ). We spent 1.5 hours on the phone to be tossed around departments and then ultimately they pretended to transfer again but conveniently 'lost ' the connection. We asked multiple times for information on the case and ask them to review the call logs but they all reps deflected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-31 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I made a transaction on paypal for a service using my credit card for {$120.00}. Transaction ID XXXX After payment, the merchant refused and broke the terms of the agreement. I asked for a refund and the merchant refused. I contacted paypal and my creditcard company to file a dispute immediately. Paypal upon hearing that i made a dispute with my credit card company stopped resolution and stated that they would only expediate the case if i canceled my dispute with my credit card company. A blatant form of blackmail from paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: Velocity Portfolio Group
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found many fraudulent charges that are affecting my ability to obtain credit.

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 2024-03-31 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: CL Holdings LLC
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found many fraudulent charges that are affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts that are hurting my ability to obtain fair credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts that are hurting my ability to obtain fair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I've changed my homeowners insurance. From XXXX to XXXX. Old policy expires XX/XX/XXXX, new one set to start same date. I used their online message system to communicate this info to the mortgage company - Newrez.com, since they need to pay to premium from my escrow. No response. Sent email to the address they provided - XXXX - on XX/XX/XXXX ; it bounced back saying " Mail from domain not allowed : newrez.com ''. They dont have another email address published to try. Has the company gone out of business? How can I contact them> They dont respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: CA

Complaint narrative:
I, XXXX XXXX received an alert from my credit monitoring application that indicated a hard inquiry was pulled on my credit report. At no point, have I authorized this credit inquiry. I have been dealing with a lot of identity theft issues and been working hard to clean up my report to ensure no unusual activities. This morning on XX/XX/XXXX XXXX  has pulled my credit. I can attest that this was not authorized nor was this done by me.

I kindly request to please have this deleted from credit profile. 
XXXX XXXX XXXX XXXXXX/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 2024-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: PA

Complaint narrative:
dept of ed / telnet account been open for XXXX  years and XXXX months, total owe is XXXX no actions were taken I no longer am elibigile to pay this I would like for it to be forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NJ

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute the accuracy of information contained within my credit report, as provided by your agency. Upon thorough examination of the report in question, I have identified several discrepancies that necessitate immediate rectification to ensure compliance with the Fair Credit Reporting Act ( FCRA ).

Account Information : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX ) ; Not specified ( XXXX ) ; Not specified ( Experian ) Current Balance : {$1000.00} Credit Limit : {$1200.00} Discrepancies : * Inconsistent Account Closure Date : Discrepancies exist regarding the reported closure date of the account. While XXXX denotes the account 's closure as transpiring on XX/XX/XXXX, XXXX and Experian fail to specify a definitive closure date. 
* Varied Payment History Reporting : * XXXX : No instances of late payments are documented. 
* XXXX : Late payments are recorded, including XXXX payment XXXX  days late, XXXX payment XXXX days late, and XXXX payments XXXX  days late. 
* Experian : Late payments are documented, showcasing delinquency spanning various durations - XXXX, XXXX, XXXX, XXXX, and XXXX  days past due. 
* Discrepant High Balance Reporting : Experian reports a highest balance of {$1200.00}, while XXXX and XXXX do not provide analogous information. 
Moreover, it is imperative to note that the validity of this account 's reporting has not been appropriately verified. The accumulation of these inaccuracies has had a profoundly deleterious impact on my credit score, thereby impeding my ability to meet personal and professional obligations and access requisite financial resources. Consequently, I hereby demand the expeditious removal of this account from my credit report in fulfillment of your statutory obligations under the FCRA.

I beseech your immediate attention to this matter and request that a thorough investigation be conducted to rectify the aforementioned discrepancies. Subsequently, I anticipate the issuance of a revised credit report reflecting the accurate and rectified information consequent to the resolution of this dispute.

Please be advised of your legal obligations pursuant to the FCRA to ensure the veracity and integrity of information contained within consumers ' credit files. Your compliance with these obligations is not only imperative but legally mandated.

I appreciate your prompt attention to this matter and await confirmation of the resolution forthwith. 
Respectfully, 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 2024-03-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ADDED A FRAUD STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND SHALL DELETE BY LAW. 
ACCOUNT NUMBER : XXXX WAS OPENED BY FRAUD AND THE CREDITOR AGREED TO DELETE. 

THIS FRAUDULENT ACCOUNT WITH A BALANCE OF {$2000.00} WAS NEVER DUE AND I NEVER WENT TO SCHOOL OR TOOK A LOAN. 

DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.

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 2024-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
On XX/XX/24 I was charged a {$25.00} Rush Mailing Fee. I did not sign anything stating I would be liable for such fee. Additionally, for the month of XXXX they also lied to the credit bureaus and stated I was late when I was not. This company has a history of charging hidden fees to their Clients and reporting late payments fraudulently proof on XXXX. 
Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Rushmore XXXX has not paid our 2023 Property Taxes. They are now more than XXXX  days delinquent. We have notified them numerous times but email and phone. After more than a half dozen phone calls, they still have made no updates to the account or paid the taxes. We went ahead and paid the taxes to avoid any liens being placed on the property. We now want our money reimbursed.

Company response to consumer: Closed with explanation