vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter. Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to 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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A. 
According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter. Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have at least XXXX unauthorised fraudulant inqiuries on XXXX, XXXX, Experian that I nor signed or given permission to run my credit.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 explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} Paid/Closed Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Closed/collection account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$410.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX. 

XXXX {$1400.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Collection account XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1400.00} Open account XX/XX/XXXX XXXX XXXX XXXX {$390.00} Closed account XX/XX/XXXX XXXX XXXX XXXX {$380.00} Closed XXXX XXXX, XXXX XXXX XXXX XXXX {$570.00} Open account XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$410.00} Open account XX/XX/XXXX XXXX XXXX {$1400.00} Open account XX/XX/XXXX 2023

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 2024-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
Predatory buisness practices. XXXX XXXXXXXX XXXX Purposely creating a loop by selling my mortgage every year announced and unable to find and not allowing me to pay on time during the transition so I can not remove PMI insurance from my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: NY

Complaint narrative:
The address that is reporting on my credit report, I have never lived there. Ive sent equifax my FTC report and they still have not changed it. This has been happening for almost a year. Even with my identity theft affidavit, I am still told that information I disputed is accurate. Also, Im not sure if it is related but lenders are not able to pull my credit report because of the inaccurate information on there which has been hurting me from getting any loans including mortgage, credit, and auto. 
I have tried calling and speaking to representatives at equifax and they always tell me the same thing, all the information is accurate when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Steel Lending Group LLC
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I have called and requested the proper loan documents repeatedly. I have also attempted to pay on the vehicle and had the lending staff be rude and irrational. Never took payments. Also refused to send proper documentation to register the vehicle at the local DMV.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
I recently got out the hospital to find a charge from carnival cruise for {$830.00} on XX/XX/year> I contacted my financial institution and they stated to reach out to the merchant to resolve first. I've called your customer service line and that was no help. 

The agent was NOT able to find any booking under my name, however, stated my card was attached to a booking. She would not provide any further information. 

I have not authorized anyone to use my card and no one should have had access for this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
The companies have fraudulently pulled the credit reports. They need to be removed from the credit file. They are violating FCRA 15USC 1681, a, i, e, b.

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 2024-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Debois, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX broke down while driving in XXXX, Ohio. After towing my vehicle to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it was concluded that the XXXX XXXX XXXX that was purchased through ABC Motor Credit, financed through DBS Financial and covered by XXXX XXXX, needed a thermostat, oil pressure switch, and intake gasket. Thus, XXXX XXXX, ABC Motor Credit nor DBS Financial provided any warranty coverage for my vehicle ; instead, DBS Financial offered me a service loan. With my back against the wall ( not having transportation to work and pick up my XXXX XXXX XXXX XXXX  ), I agreed to receiving a service loan. On XX/XX/XXXX, I got my car out of the shop ( XXXX XXXX XXXX XXXX ), only for an hour later, my vehicle ran hot again, causing the car to break down ; consequently having it towed back to XXXX XXXX XXXX XXXX On XX/XX/XXXX, I got my car out the shop ; the temperature gauge would still fluctuate ; however, on XX/XX/XXXX, while driving on the highway, the wrench light came on and the vehicle consequently, broke down again on the highway. The following Monday, XX/XX/XXXX, I had the vehicle towed to XXXX XXXX XXXX XXXX ; after a diagnostic procedure, 49 different codes emerged. The fuel pump relay had melted, subsequently, there was a internal shortage in the battery. Again, DBS, ABC, and XXXX XXXX did not provide me with any assistance for repairing my vehicle ; only a service loan. With this in mind, I was unable to get to work and pick up my daughter from school for a total of XXXX XXXX weeks. After XXXX XXXX fixed my fuel pump relay, they indicated that my car still needed power steering coupled with several codes still emerging from a diagnostic test. In stark contrast, I could not afford to get the vehicle fixed on my own ; thus, DBS offered me a service loan. The vehicle still runs hot, and DBS, ABC Motor Credit and XXXX XXXX refuse to compensate me for the multiple XXXX  to work, and the financial and personal hardships that I endured with not having an adequate, reliable vehicle. Moreover, I receive threatening phone calls from DBS Financial XXXX that has caused me to be stressed. All in all, XXXX, at XXXX XXXX, conveyed to me, as a result of the diagnostic tests ran on the vehicle, that the engine was seriously damaged and the motor was going to blow soon, and that I am better off getting a new car. Equally important, XXXX stated that the vehicle is unsafe to drive and it is not because of something that I did ; the car was already in this adverse state and more than likely, they ( ABC, DBS and XXXX XXXX XXXX knew about this. Therefore, I should be compensated in some way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} Paid/Closed Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Closed/collection account XX/XX/XXXX Credit financial network XXXX {$410.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX. 

XXXX {$1400.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Collection account XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1400.00} Open account XX/XX/XXXX XXXX XXXX XXXX {$390.00} Closed account XX/XX/XXXX XXXX XXXX XXXX {$380.00} Closed XXXX XXXX, XXXX XXXX XXXX XXXX {$570.00} Open account XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$410.00} Open account XX/XX/XXXX XXXX XXXX {$1400.00} Open account XX/XX/XXXX 2023

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 2024-11-03 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} Paid/Closed Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Closed/collection account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$410.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} Closed/collection account XX/XX/XXXX Equifax*** XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX. 

XXXX {$1400.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Collection account XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1400.00} Open account XX/XX/XXXX XXXX XXXX XXXX {$390.00} Closed account XX/XX/XXXX XXXX XXXX XXXX {$380.00} Closed XXXX XXXX, XXXX XXXX XXXX XXXX {$570.00} Open account XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$410.00} Open account XX/XX/XXXX XXXX XXXX {$1400.00} Open account XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
Recently I start looking at my bank statements and relied I am receiving much more money than is deposited in my account and the has been withdrawn from my account I only receive direct details from social security but I gave multiple copies of bank statements as far bank as XX/XX/XXXX of excess funds till present day XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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:
XXXX XXXX XXXX : XXXX XXXX : XXXX To Whom It May Concern, I am submitting this complaint to the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block any information on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes the following accounts, which I do not recognize and did not authorize : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} These accounts have resulted in multiple fraudulent collections on my FICO credit report. All of these accounts and collections were neither opened nor initiated by me ; they are a direct result of identity theft and fraud. 

For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) issued by the U.S. Federal Trade Commission, confirming that the aforementioned accounts and collections are fraudulent. Please delete fraudulent accounts as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Debt Collection Entry - 15 U.S.C. 1666 ( b ) Dear XXXX, I am writing to formally dispute a debt collection entry listed on my credit report in accordance with the Fair Credit Reporting Act and specifically under XXXX U.S.C. 1666 ( b ). I request that you investigate this matter and remove the inaccurate reporting from my credit file. 

The entry I am disputing is as follows : - Creditor Name : portfolio recov Assoc - Account Number : XXXX - Date of Entry : XX/XX/year> - Amount : {$480.00} According to 15 U.S.C. 1666 ( b ), if I have notified the creditor of a billing error and the creditor has failed to respond or resolve the issue within the required time frame, any negative information related to that debt should not be reflected on my credit report. 

I have previously contacted portfolio recov Assoc regarding this matter and provided them with the necessary information to dispute this debt. However, they have not responded appropriately, and as a result, I believe this entry is inaccurate and should be removed from my credit report. 

Enclosed with this letter are copies of any relevant documentation, including my correspondence with the creditor and proof of my notification regarding the billing error. 

Please investigate this matter and take the necessary steps to remove the disputed entry from my credit report. According to the Fair Credit Reporting Act, I request that you complete your investigation within 30 days and provide me with the results. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation