vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: TN

Complaint narrative:
Subject : Dispute of Fraudulent Account - No Response Received Dear XXXX XXXX XXXX , XXXX XX/XX/XXXX, an account under XXXX  XXXX was opened in my name, which was subsequently closed on XX/XX/XXXX. This account shows no balance and no transactions ; however, it was charged off as bad debt without reflecting any specific amount. 

On XX/XX/XXXX, I contacted XXXX  XXXX at XXXX XXXX XXXX, XXXX XXXX , SD XXXX, to notify you of a fraudulent account that appeared on my credit report. I provided a fraud affidavit, a police report, and an FTC identity theft report as supporting documentation. Despite waiting for a response, I did not receive any communication from your team. 

On XX/XX/XXXX, I sent a follow-up letter via U.S. mail , reiterating my previous communication and resubmitting the documents. To date, I have not received any response from your end regarding 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 2024-06-10 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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

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 2024-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: PA

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 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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
XX/XX/XXXX sent in full payment of {$69.00} and cleared my bank account on XX/XX/XXXX ( had never received a bill even for what was due on XX/XX/XXXX ) This bill had been set up months ago to be paid automatically as the same thing happened last year and I was just supposed to know it was due and then I got a late bill in XXXX of XXXX. So to resolve that moving forward, I sent in monies the end of XXXX. 

XX/XX/XXXX Receive a collections text and a phone call and despite sending in a screenshot the company was quite nasty and insisted that I still owe the now {$22.00} in extra charges. I told them no and I then found a message board to file a dispute after calling XXXX and complaining when I learned via this phone call they had a new service bank. 

XX/XX/XXXX Sent them a copy of the check front and back and showed them the account # that was credited ( it is different than my new # ( which I did not have until middle of XXXX when I received my overdue statement ) XX/XX/XXXX I am alerted that my XXXX XXXX has dropped by XXXX points due to the reporting of this 'delinquent " account. I call them up and ask why is it being reported if the account is under dispute and they tell me once again, I will owe all late fees and finance charges regardless of when my {$69.00} is finally credited to the account. So from {$69.00} which was due XX/XX/XXXX and paid XXXX, my balance due increased to XXXX due on XX/XX/XXXX and is now at XXXX due on XX/XX/XXXX. They told me if I do not pay the extra XXXX by XX/XX/XXXX, they will add {$60.00} late fee and additional finance charges that will be due on XX/XX/XXXX and this will continue exponentially until I agree to pay their late fees. 

I do not owe them late fees or finance charges. As a consumer, I should have been sent information on a new account # and thus I could have had my funds going to the correct account when it was sent in on XX/XX/XXXX. But since my check cleared, it was credited and the funds have been received by XXXX XXXX XXXX 

They are violating the law by reporting my account as delinquent while the account is under dispute and they investigate. I also strongly feel they are not supposed to be adding late fees to an account under dispute and demanding payment even when the account is eventually credited the {$69.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
XX/XX/XXXX sent in full payment of {$69.00} and cleared my bank account on XX/XX/XXXX ( had never received a bill even for what was due on XX/XX/XXXX ) This bill had been set up months ago to be paid automatically as the same thing happened last year and I was just supposed to know it was due and then I got a late bill in XXXX of XXXX. So to resolve that moving forward, I sent in monies the end of XXXX. 

XX/XX/XXXX Receive a collections text and a phone call and despite sending in a screenshot the company was quite nasty and insisted that I still owe the now {$22.00} in extra charges. I told them no and I then found a message board to file a dispute after calling XXXX and complaining when I learned via this phone call they had a new service bank. 

XX/XX/XXXX Sent them a copy of the check front and back and showed them the account # that was credited ( it is different than my new # ( which I did not have until middle of XXXX when I received my overdue statement ) XX/XX/XXXX I am alerted that my credit score has dropped by XXXX points due to the reporting of this 'delinquent " account. I call them up and ask why is it being reported if the account is under dispute and they tell me once again, I will owe all late fees and finance charges regardless of when my {$69.00} is finally credited to the account. So from {$69.00} which was due XX/XX/XXXX and paid XXXX, my balance due increased to XXXX due on XX/XX/XXXX and is now at XXXX due on XX/XX/XXXX. They told me if I do not pay the extra XXXX by XX/XX/XXXX, they will add {$60.00} late fee and additional finance charges that will be due on XX/XX/XXXX and this will continue exponentially until I agree to pay their late fees. 

I do not owe them late fees or finance charges. As a consumer, I should have been sent information on a new account # and thus I could have had my funds going to the correct account when it was sent in on XX/XX/XXXX. But since my check cleared, it was credited and the funds have been received by XXXXXXXX XXXX XXXX. 

They are violating the law by reporting my account as delinquent while the account is under dispute and they investigate. I also strongly feel they are not supposed to be adding late fees to an account under dispute and demanding payment even when the account is eventually credited the {$69.00}.

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 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Foursight Holding LLC
State: LA

Complaint narrative:
XXXX is my complaint number. They responded but nothing has been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX Has violated my rights / They have also stated that I had Late payments on XXXX accounts and this never occured XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX : XXXX 15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. )

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 2024-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I contacted my mortgage company, NewRez, on XX/XX/XXXX to modify my monthly mortgage payment from a Bi Monthly payment plan to a Monthly payment plan on the 1st of each month. The agent on the phone said that he cancelled my bi monthly plan and assured me that it would not be drafted out of my account on XX/XX/XXXX. He said to go online and set up a recurring payment to autodraft monthly which I immediately did after our call. On XX/XX/XXXX NewRez drafted 2 payments ( the bi monthly plan amount and the monthly plan amount ) out of my account causing it to overdraft, and for my bank to cancel one of the payments. I immediately called Newrez to inform them of their mistake and to make sure my mortgage was paid on time. They assured me it would be reflected as an on time payment. Around XX/XX/XXXX, Newrez tried to assess me a {$30.00} NSF fee for the payment being denied by my bank after their mistake. I again called and they said it would be taken off my account. I logged in today, XX/XX/XXXX, to see that the {$30.00} NSF fee is still on my account and still needs to be removed. After spending hours on the phone with them and multiple people lying to me and saying that everything will be taken care of, I no longer trust that spending another hour on the phone with them will get them to do their job.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX is a predatory lender and I NEVER HAD A MORTGAGE WITH THEM. 

please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
In violation of California Civil Code 1788.66, Caine & Weiner was illegally assigned unpaid COVID rent and has ignored this fact. In the code, it's stated that a landlord can not assign unpaid COVID rent from XX/XX/XXXX to XX/XX/XXXX. During my tenancy from XX/XX/XXXX to when I left in XX/XX/XXXX, I was not working. I sent them a Cease and Desist Letter in XX/XX/XXXX, and they have continued to contact me by email and phone. And now, they have sent this account to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/year> and on XX/XX/year> I have submitted and resubmitted letters requesting proof of verification of a bankruptcy listed on my Experian credit report under my public records. As of today, it has been beyond 60 days and I have not received any verbal or physical notice of proof of verification of this bankruptcy. I have reached out to the XXXX Bankruptcy Courts to ask how verification of bankruptcy is verified by them. I received a response in regards to the courts providing that bankruptcy is not verified by them directly to any credit bureau. That information was passed along to XXXX, after their investigation with their source XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX it was determined : data being reported as unverifiable. After XXXX investigation the information has been removed from their records. That information within a letter form has been passed along to Experian for update on credit report, and no action has been taken place.

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 2024-06-10 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: NJ

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Equifax will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : 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 2024-06-10 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: TN

Complaint narrative:
An account under the name XXXX XXXX was opened on XX/XX/XXXX, and subsequently closed on XX/XX/XXXX. This account shows no balance and no transactions but is marked as charged off as bad debt without indicating any amount. 

On XX/XX/XXXX, I contacted XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX, XXXX, to notify you about a new account on my credit report that does not belong to me. I included a fraud affidavit, a police report, and an FTC identity theft report with my correspondence. Despite waiting for a response, I received none. 

On XX/XX/XXXX, I sent a follow-up letter via U.S. mail , reiterating my previous communication and resubmitting the documents. To date, I have not received any response.

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 2024-06-10 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief