vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 

I have tried over and over for the past 8 months to dispute and remove 3 loan accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have been on my credit report due to identity theft and fraudulent charges not made by me. I've submitted documentations such as FTC reports and Police reports to XXXX to furnish to the creditors. XXXX has yet to remove the accounts even with substantial information claiming the creditors deem the accounts as valid. I applied for XXXX and XXXX XXXX XXXX XXXX in XXXX of XXXX while being XXXX to help with my medical bills however i did not get a chance to use the cards because they were stolen and used by a thief. There is also a fraudulent closed auto loan by the name of XXXXXXXX XXXX that i did not authorize. I backed out of the deal once i was advised i would be a co-borrower. The agents agreed to remove me off the loan application and come to find out later i was still on the loan. I've sent letters and reports and police reports to have the company remove me from any business with XXXXXXXX XXXX they still have not removed me from the account. I am requesting the companies remove me from their databases as these accounts were inaccurately reporting and not handled i the correct manner to take the proper steps in resolving these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In accordance to the credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 usc, 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Fraudulent account appearing on credit report. 

XXXX. XXXX XXXX XXXX {$5600.00}

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 explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
During the Pandemic I was dealing with XXXX XXXX XXXX anXXXX XXXX XXXX  with XXXX XXXX XXXX XXXX. which lead me to go visit my doctor, I was involved in a XXXX XXXX XXXX which put me in more XXXX XXXX. XXXX and need for iXXXX XXXX XXXX and XXXX, I value and respect my credit and reached out to Aspire* about the XX/XX/2022 payment which was {$140.00} due, I let them know what was happening and made arrangements/ promise to pay half, with the remaining to be paid by the XXXX of the month [ two days after the statement date ] they reported the entire payment 30 days late, I had no other payment issues with them and paid double payments and entire balance $ XXXXas soon as I got back on, my financial feet. I have been a good customer with this credit card account and really feel it unfair and unnecessary to have my credit score affected by the late payment they placed on my report. I asked for understanding and consideration because of the circumstances I meantioned above. I would appreciate very much to have this removed and to keep good standing with Aspire*

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Complaint XXXX To Whom It May Concern : I am writing to dispute the validity of the collection account associated with my name and Social Security Number XXXX While I acknowledge that I have made payment to your agency to close out the account and that the reporting of the paid account was accurate, your company has still engaged in unlawful practices in violation of the Illinois Collection Agency Act ( IL CAA ) and the licensing requirements of the Illinois Department of Financial and Professional Regulation ( IDFPR ). 

The core issue in question here is not the accuracy of the reporting itself but rather your company 's legal right to collect the debt in Illinois. As an aggressive advocate for my rights, I must insist that you promptly address the following concerns : 1. Licensing Violation : Your company was not duly licensed by the IDFPR when you attempted to collect on the alleged debt. Your failure to secure the necessary licensing constitutes a violation of the IL CAA, which mandates that all collection agencies operating in Illinois be appropriately licensed. This violation nullifies your legal right to collect the debt and voids any associated reporting. 

2. Illegitimate Reporting : Considering the licensing violation, any credit reporting associated with this account, even if accurate, must be considered illegitimate. As a result, I demand that your company immediately remove any adverse information related to this account from my credit report. 

3. Legal Consequences : I would like to remind you that your company 's violations of the IL CAA, specifically 225 ILCS 425/2, 425/8, and 425/9, expose you to potential legal liability. Although I have paid the account, this does not absolve your company of its unlawful actions. I reserve the right to pursue legal action, including but not limited to seeking monetary damages and injunctive relief, as a result of your company 's violations. 

4. Documentation : I require written confirmation from your company acknowledging your compliance with the above requests and a comprehensive accounting of any actions taken in response to this dispute. 


Please be advised that if you fail to comply with my requests and continue to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), the IL CAA, and other applicable laws, I will not hesitate to take further legal action. 

I expect a prompt response and resolution of this matter. All correspondence should be sent to the address listed above.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX {$320.00} XXXX XXXXXXXX {$9800.00} XXXXXXXX XXXX XXXX {$270.00}

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$1300.00} XXXX C XXXX {$320.00} XXXX XXXXXXXX {$9800.00} XXXXXXXX XXXX XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Truist Bank d/b/a XXXX XXXX XXXX XXXX XXXX, GA XXXX Reference ID XXXX On XX/XX/2021, Truist Bank d/b/a XXXX denied XXXX XXXX XXXX the extension of credit. Credit is a Right of XXXX XXXX XXXX. XXXX XXXX XXXX is fully aware that credit reporting is voluntary, and XXXX XXXX XXXX gave no consent to any information that shows on the consumer report. ( Reference C.F.P.B. article attached ). This transaction was unfavorable, which makes it adverse, yet nothing under adverse action gives you the right to deny the extension of credit. XXXX XXXX XXXX is fully aware of what a credit card is. XXXX XXXX XXXX credited this transaction as a creditor from his credit card. Truist Bank d/b/a XXXX has committed a crime, XXXX XXXX XXXX 's credit card was used and there has been no benefit to him. XXXX XXXX XXXX has been misled through the conduct of Truist Bank d/b/a XXXX by concealing that which should have been disclosed which deceives and is intended to deceive. This transaction was a blatant discrimination of rights. 

Respectfully XXXX : 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
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a complaint regarding inconsistencies, inaccuracies, missing information, and credit bureaus not performing proper investigations on several accounts on my credit report. I have attached a copy of each account and screenshot of my credit report Upon reviewing my credit report, I have found several errors that are negatively impacting my credit score and financial well-being. Specifically, I have identified the following issues : Inaccurate information : Some of the information on my credit report is inaccurate, such as incorrect account balances, dates of delinquency, and payment history. 

Missing information : Some accounts that I have closed or paid off are not listed on my credit report, which is preventing me from demonstrating my creditworthiness. 

Inconsistencies : There are inconsistencies in the way my personal information is presented across different credit bureaus, which is causing confusion and potential identity theft risks. 

Improper investigations : Despite disputing some of the errors on my credit report previously, the credit bureaus did not perform proper investigations and have failed to correct the inaccuracies. They have violated several FCRA laws and they were not fair in their investigation and reporting. 

These errors are impacting my ability to obtain credit and are potentially causing harm to my financial reputation. I have attempted to resolve these issues by contacting the credit bureaus directly, but I have not received satisfactory responses. 

I am requesting that the CFPB investigate these issues and take appropriate action to ensure that the credit bureaus are held accountable for their actions.

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone has applied for two credit cards ( XXXX XXXX and XXXX ) without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Someone has applied for two credit cards ( XXXX XXXX and XXXX ) without permission.

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I am a natural person with rights under 15 USC 1681, and I want to file a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act. Specifically, the following items on my credit report were reported without my permission : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX These actions violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A : right to privacy 15 U.S.C 1681 Section 604 A Section 2 : consumer reporting agencies can not furnish an account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing 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 ) ( 1 ) : no person shall 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. 
Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : 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 I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a natural person with rights under 15 USC 1681, and I want to file a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act. Specifically, the following items on my credit report were reported without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These actions violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A : right to privacy 15 U.S.C 1681 Section 604 A Section 2 : consumer reporting agencies can not furnish an account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing 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 ) ( 1 ) : no person shall 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. 
Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : 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 XXXXXX/XX/XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
While the current complaint is against Nationstar Mortgage LLC XXXX Mr Cooper ; the original complaints through the CFPB date back to XX/XX/XXXX ( please see related complaints through this CFPB portal from me, XXXX XXXX ) started with XXXXXXXX XXXX XXXX  d/b/a as XXXX XXXX XXXX. o On or around XX/XX/XXXX, XXXX XXXX and XXXX entered into an agreement that impacts my real estate property. The current complaint against Nationstar is as follows : On XX/XX/XXXX they provided me a letter stating I was *confirmed* as successor in interest on the related debt obligation even though I am not related to the account holder { " XXXX XXXX and XXXX XXXX XXXX and never stated that I was. 

On XX/XX/XXXX I responded to them indicating the approval seemed to be based on erroneous findings, but no one has responded to my concern, It has been nearly 4 weeks and no response. Please see the attached XX/XX/XXXX letter and Filed Complaint. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to know if information in my file has been used against me anyone who uses a credit report or another type of consumer report to deny my application for credit insurance or employment or take another adverse action against me must tell me and must give me the name address and phone number of the agency that provided the information I have the right to know what is in my file. Also all my court records are laid out in the open where anybody can see them as well as all my records all my criminal records my financial information as well as my medical information there's also open accounts as in like home loans car loans and etc and the information is still outgoing and they're still accounts opened it's very hard for me to

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