vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 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: VA

Complaint narrative:
I want to remove these addresses. These addresses do not belong to me and I've never lived at these addresses. 
listed. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/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 2024-09-17 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: AL

Complaint narrative:
I have no connection to the mentioned creditors, and I am not responsible for these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: WA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Requested verification of debt from both the credit bureaus and the original creditor and did not receive any information or reply back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: FL

Complaint narrative:
A late payment that is listed in my consumer report .... This has been an ongoing dispute for more than 30 days, and I have written numerous times regarding this matter. Under 15 U.S. Code 1681 ( 2 ) ( a ) ( I ) and 15 U.S. Code 1681s-3, the information exchanged between the consumer and the creditor should not be reported on anyone 's credit file until the dispute is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2024 I opened an account in pursuit of a {$500.00} promotional incentive. I met all requirements ( $ XXXX direct deposit and enroll in online/mobile banking ) but was told I was declined due to the fact that I previously had a business account. The terms and conditions state everything that disqualifies you is regarding a consumer checking account. Then it states you can not have had a bonus in the last XXXX year. The is very misleading as all terms and conditions are regarding a consumer account. The current bonus that they have also is exclusive to consumer accounts. 

I should be paid the promotional incentive as I met all terms and the conditions were misleading about only a consumer account mattering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I took out a XXXX XXXX XXXX  for {$500.00} at a XXXX Capital One XXXX. The check was destroyed by the person I sent it to so I had to obtain a new cashier 's check. I contacted Capital One over the phone a week or XXXX later and asked about next steps on how I would get my money back if the first check was destroyed. XXXX informed me I had to go to the physical branch for my inquiry. 

I walked to the physical branch and they informed me I had to wait XXXX days to get my money back because this was now treated as fraud. Once the XXXX day period was done I would receive the money back in my account. 

More than XXXX days passes and I never saw the money hit my account. I contact Capital One over the phone in XX/XX/year> and they informed me that I now have to submit a written notarized affidavit of lost, destroyed, or stolen cashier 's check, submit the affidavit to a branch, and then wait an additional XXXX  days for the funds to hit my account. The agent also knew my mailing/home address was in XXXXXXXX XXXX. This was never communicated to me by the branch teller back in XX/XX/year>. I submitted a complaint to the agent on the phone and highlighted the customer confusion and customer harm this process has created. The agents are misinformed and misstating rules and practices to their customers. 

On XX/XX/year>, I walk into a XXXX Capital One location and attempted to submit my notarized affidavit. The agent in the location told me there are XXXX branches in the XXXX. This again was never communicated to me by the agent back in XX/XX/year>. XXXX agent calls Capital One customer management and they tell him that I can only submit my affidavit in person at a branch. I pushed back and escalated on such guidance as this is an inconvenient and dead end suggestion. Was the expectation that I purchased a flight to a state with a branch? The XXXX agent called someone else and they told me I could fax or mail the letter. This was once again an experience where the Capital One agents are spreading misinformation to their customers which then causes customer harm and confusion. 

In terms of monetary harm, the {$500.00} that should already be in my account has now lost months of interest I could have accrued had my funds been sent to my account sooner or had I been given accurate information back in XX/XX/year>. 

I have not heard back on the status of my open complaint I submitted back in XXXX and we are nearing the XXXX day deadline period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against Qualia Collection Services for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Qualia Collection Services placed a collection account on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. The date opened on my credit report is XX/XX/2024. I have not have any dealing with this company nor have they sent me any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: CO

Complaint narrative:
" I am requesting proof of the previous investigation. I'm asking that you send your method of method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated 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 2024-09-17 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: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: Global Lending Services LLC
State: SC

Complaint narrative:
The vehicle was sold at auction on XX/XX/XXXX. XX/XX/XXXX, the Global Lending Service account was removed. However, the account was opened again on XX/XX/XXXX, and appeared on my account again recently as if it was a new open loan with immediate repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There was a Capital One credit card that showed up on my credit report that says I am an authorized user but I have no information or idea about that account. I disputed this with XXXX in XX/XX/XXXX and never heard anything about it again until it should up on a credit reporting for XXXX XXXX  when trying to buy a new house. I have filed a dispute with XXXX as well and still waiting to hear back as of last Thursday, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: CO

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding Shellpoint Mortgage 's mishandling of my mortgage loan account and their failure to resolve the issue despite multiple attempts on my part to address it. 

Shellpoint acquired my mortgage loan a few months ago, and I have been experiencing issues with the accuracy of my account since then. The specific details are as follows : Loan Amount Discrepancy : On XX/XX/XXXX, I contacted Shellpoint 's customer service after noticing that my monthly payment amount, contractually set at {$380.00}, had inexplicably increased to {$720.00} on their online account portal. I had not been late on any payments and was confused about why the payment amount had suddenly increased without explanation. I submitted an inquiry through Shellpoint 's account portal to address this issue. 

Delayed Response : When I contacted their customer service center, I was informed that the issue would be escalated to the correct department for further research, and I would be contacted. However, instead of receiving any resolution or response, I was sent a bill for {$720.00}. I called back on XX/XX/XXXX, but due to high call volume, I wasn't able to speak with an operator. I followed up again on XX/XX/XXXX and was informed that Shellpoint was aware of the error with the XXXX loan department and that the issue would be corrected soon. 

Uncredited Payment : Additionally, I requested an audit of my account because I noticed that I was not given credit for a previous payment of {$220.00} that I had made with my previous lender. I have the bank statement proving this payment, yet Shellpoint only credited {$570.00} to my account when I paid {$800.00}. 

As of today, Shellpoint has neither corrected my account nor provided any follow-up communication regarding the matter. My account remains inaccurate, and I am deeply concerned about the impact this may have on my credit and financial standing. 

I am requesting that the CFPB investigate Shellpoints handling of my mortgage loan account, ensure that my payments are accurately credited and that the correct monthly payment is reinstated. I am also seeking a prompt resolution and clear communication from Shellpoint regarding the steps they will take to fix this situation. 

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: DC

Complaint narrative:
Hello, XXXX. XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX  XX/XX/year>2024 XXXX has already removed XXXX XXXX  and XXXX XXXX and according to 15 USC 1681 N you should delete this immediately as well. 

I did not authorize the following above inquiries and would like them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please take this complaint seriously as this has been immensely frustrating. This is really stressing me out, It's been such a long time that I am trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I believe that Navient has used unfair business practices when servicing my loan. The loan was taken out XX/XX/year> for {$16000.00} through Sallie Mae and was transferred to Navient that added all interest owed to the principal. They stated that I was disqualified from the original interest rate reduction I had received under Sallie Mae, and my loan is currently in repay at 10 % interest ( variable ). The Unpaid principal on the loan is {$14000.00} even though the payments I have made when added up, cover the original amount borrowed. They have my total interest accrued on the loan to be {$16000.00} with a payoff date of XXXX/XXXX/XXXX. When I took out this loan it was supposed to be paid off in ten years. I have requested that my co-signer be released several times, in writing and submitting the required paperwork, but each time it is denied. I have met the requirements of XXXX consecutive payments, and they have no right to deny my cosigner being released. Navient changes terms on a whim with no recourse for the borrower.

Company response to consumer: Closed with explanation