vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I would like to dispute these account on my credit report. 

TransUnion : XXXX Account XXXX : XXXX {$12000.00} XX/XX/year>

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: MS

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. 

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

WESTLAKE FINANCIAL, XXXX, XXXX, and XXXX all should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from XXXX, XXXX, and XXXXand you will be able to see the proof of discrepancy within the credit bureaus. All the credit bureaus are reporting different dates of accounts being open, different charge offs, payment history, all inaccurate reporting violating XXXX XXXX XXXX. Each violation is subject to {$1000.00} fine per violation made by each party involved. 

XXXX XXXX XX/XX/XXXX Late Payment reporting by XXXX, XXXX, and XXXX on XX/XX/XXXX, XXXX XXXX XXXX and XXXX of XXXX and also XXXX of XXXX. Completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with this bank that they wouldn't disclose my information to a XXXX  party company and all three credit bureaus are XXXX  party companies, therefore illegal to report to my credit file. The bank can't disclose my information and the credit bureaus can't report it. They both owe for compensation. I am invoking my right to opt out of any and all disclosure of my personal information and also any reporting associated with this account to my credit report under 15 USC 6802. I demand WESTLAKE FINANCIAL, XXXX, XXXX, and XXXX to cease all illegal reportings because it is fraud and violation of my rights under the Privacy act of 1974.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$760.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year>

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$760.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to bring to your immediate attention the repeated issues I have encountered regarding the update of my address in your records. Despite multiple attempts to rectify this situation, the problem remains unresolved, and I am experiencing significant inconvenience as a result. 


To summarize my efforts : Phone Calls : I have contacted your customer service several times and was assured each time that my address had been updated. However, these assurances have not been reflected in your records. 

Mail Correspondence : I have also mailed a formal request to update my address, which has unfortunately gone unanswered. 

The part of the address that should be removed it the XXXX XXXX or XXXX or 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am now requesting proof of previous investigation. im asking that you send your method of investigation along with all records of who you spoke with, there business name and phone number as well as documentation that proves this account was late, if you can not provide me with information in 15 days update the account to PAID.NEVER late and send me a copy of my update 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am now requesting proof of previous investigation. im asking that you send your method of investigation along with all records of who you spoke with, there business name and phone number as well as documentation that proves this account was late, if you can not provide me with information in 15 days update the account to PAID.NEVER late and send me a copy of my update credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery informed me that after the debt was paid off the debt would be removed from my accounts. Both accounts are still on there, and then they told me that they didnt receive the final payment even though Ive sent them proof of that final payment ( included ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I am XXXX % total and permanent disable from the department XXXX XXXX XXXX. I was told by NelNet that the VA reached out to them to discharge my student loan under the TPD. I was told that Nelnet had reached out to XXXX to informed them that I was eligible for student loan discharged under the TPD. When I reached out to XXXX I am told that they are still waiting for Nelnet to contact them. I am getting the run around with Nelnet and XXXX. This complaint is with Nelnet. Nelnet sent me a letter dated on XX/XX/year> that I was approved for student loan discharged under the TPD. It has been over XXXX days and I still can not get a complete answer about my loan. Every time I reach out to Nelnet they tell me that they had contacted XXXX and XXXX should Start the process by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There inaccuracy information on my report. I was never late and it show wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There inaccuracy information on my report. I was never late and it show wrong information.

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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I received a letter in the mail today about my wages being garnished after a judgement was files against me by Portfolio Recovery Services LLC. I never received notice of a court date or of being sued for any unpaid debt. This debt was bought by them in XXXX  and I was unaware at the time that I had any debt with them previously. I barely make enough to have food as it is, if they are able to take my wages my daughter and I will barely be able to afford to live. Im terrified and angry that these people think its okay to target low-income families for a debt I was not even able to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
It appears that FCRA 605B necessitates the removal of incorrect accounts from my credit report. Can you verify the documents? Some accounts listed have reporting errors, wrong amounts, and incorrect dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
I contacted Genesis after discovering a new account in collections on my credit report. Genesis sent me a packet for fraud after XXXX calls to their organization asking how to handle this. They hung up on me once and the third call, I was able to get the packet sent via email. 

The instructions ask me to send them a police report which is logical, photo copies of the front and back of my ID, in addition, to my utility and mortgage information. This exposes me to so much more fraud and identity theft. All of my credit report shows I am a resident of XXXX  and havent left the state. I filed a police report with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This is an anonymous tip on a company that goes by a a XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Looks like the company in consort with a Midland Credit Management Company located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been engaging in rampant and incessant attempts to collect moneys without providing any documentation whatsoever. They continue to bombard our credit health with frivolous and retaliatory negative reports and to this day -- XXXX months past, XXXX year past, XXXX  years past, XXXX years past -- and they've failed to provide any documentation whatsoever on a horrifying experience with a credit card company involving blatant discriminatory treatment, mismanagement of our properly made payments, and hang-ups when calling customer service. Nevertheless, it looks like XXXX XXXX XXXX buys these bills from credit card companies gambling on the hopes of getting a quick buck out of disastrously horrendous billing and negligent consumer credit management. The gambling, roll-of-the dice attempts by XXXX and Midland Credit Management to recover fraudulent moneys and retaliatory harm to consumers ' credit health while failing to provide any and all documentation is quite the fraudulent practice. Sure they have a template with a number figure that they demand however this avoids the millions in damages due for discriminatory treatment against unwitting, duly paying credit card consumers. Quite the negligent characters looking for a gambling, quick buck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am writing to bring to your immediate attention the recurring issues I have experienced regarding the application of my mortgage payments and the subsequent reporting inaccuracies to the credit bureaus. These problems have resulted in incorrect late payment statuses being reported, which is adversely affecting my credit profile. 

To summarize the issues : Partial Payments : On several occasions, I made partial payments followed by subsequent payments to cover the full amount. However, your system holds partial payments in a small account until the full amount is received, then the payment is applied. This process has led to the application dates being recorded incorrectly and inconsistently. 

Misapplied Payments : There have been instances where payments have been misapplied, further complicating the accurate tracking of my payment history. 

Inconsistent Responses : I have reached out to your customer service representatives multiple times. Unfortunately, I have received different answers each time, and the representatives were often unable to provide a clear solution to the problem. 

Credit Bureau Reporting : I have also contacted all three major credit bureaus to correct these inaccuracies. However, the late payment statuses have been inconsistently updated, sometimes changing from XXXX to XXXX days late, from XXXX to XXXX days late, and even incorrectly marking on-time payments as XXXX days late. 

Based on 15USC 1666 A & B These entries should me marked as OK

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing and requesting an investigation into the wrongful reporting of these accounts on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. According to FCRA 605B, we must report any incorrect accounts listed on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per 15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments

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