vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Failure to Provide Information Pursuant to Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against the three credit reporting agencies ( XXXX, Experian, and XXXX ) for their failure to provide me with or respond to my request as per my written notice dated XX/XX/2024. I believe this action violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I sent a written request to each of the credit reporting agencies mentioned above requesting specific information related to my credit report, as allowed under the FCRA. However, to date, I have not received any response or acknowledgment of my request from any of the credit reporting agencies. 

This failure to respond is not only a violation of my rights under the FCRA but also hinders my ability to review and verify the accuracy of the information being reported about me. As a consumer, I am entitled to access this information and ensure that it is correct and up to date. 

I am invoking my rights under the FCRA and requesting that the credit reporting agencies promptly provide me with the requested information. Additionally, I request an investigation into why my initial request was not acknowledged or responded to within the required timeframe. 

Please find the details of my original request enclosed with this letter for your reference. I kindly ask for your immediate attention to this matter and a timely resolution in accordance with the FCRA. 

Thank you for your prompt action in this regard. I look forward to your response within the statutory timeframe. 


Enclosures : 1. Copy of original written notice dated XX/XX/2024 2. Any relevant documentation or correspondence related to this complaint

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CL Holdings LLC
State: DC

Complaint narrative:
This account from Jefferson Capital Systems LLC is a fraudulent account and does not belongs to me this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NJ

Complaint narrative:
As of XX/XX/XXXX, noted there was a change to my personal profile on XXXX XXXX site. Primary name is now reported as XXXX XXXX XXXX instead of XXXX XXXX XXXX. I called Transunion XX/XX/XXXX and was advised the name change is due to creditor reporting. XXXX XXXX is the only credit card reporting this change. Transunion advised me to contact XXXX XXXX. When I called XXXX XXXX, I was advised Transunion is the reporting agency that is causing the change. I advised I would contact CFPB as I am getting nowhere with either entity.

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 2024-03-26 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: PA

Complaint narrative:
I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness.

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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-26 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: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that transunion will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name 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
Consumer complaint received 2024-03-26 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: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I attempted to transfer funds from my Marcus by Goldman Sachs savings account at the beginning of XXXX. After calling on XX/XX/XXXX to inquire about the transfer, I was informed that my identity couldn't be verified since my phone number wasnt registered under my name. They promised to send me an affidavit of identity to complete, notarize, and return. As of XX/XX/2024, I still haven't received anything. I contacted them again on XX/XX/XXXX regarding my frozen account and the missing affidavit. Despite getting a new phone number under my name, they couldn't identify me due to the new number not being processed yet. They informed me that the affidavit hadn't been approved by higher-ups so they hadnt sent it out. On XX/XX/XXXX, after another call, they unfroze my account and allowed transfers for funds held for at least 90 days. However, my transfer request was denied once more, with the representative mentioning that Florida, my state, isn't a " verified state. '' Im not quite sure what that means or why they never mentioned this beforehand. Another case was opened, the representative told me that someone will call me but no timeframe for resolution was provided. It's been almost a month of struggling to access my savings, and the situation is becoming increasingly frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-03-26 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: IL

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like for Capital One to update my account and change the inaccuracies of the late payments ( XXXX - XXXX ). I also feel this company has unfair practices, the explanation of interest/charges were misleading and unfair. These fees were manipulative and were a sales tactic to attract customers with low advertised prices, only to tack on additional charges later. All I paid was fees because my card was barley used. It is very deceiving and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Verification of contract and debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I am unable to make my mortgage payment through the app because I am paying 1 month ahead. I would like to keep this credit on my account. I have to contact the mortgage company each month to make my payment because of this restriction. I have spoken to each representative and asked that they apply my payment to the next month 's payment. Everytime, for three months, they have applied my payment to the principal balance. I have clarified on my last two phone calls, I do not wish for my funds to be posted this way and they assure me I don't have to worry. They are wasting my time not posting my payments correctly and by not allowing me to pay on the app.

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 2024-03-26 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: SC

Complaint narrative:
In the quiet XXXX of everyday life, a sudden joXXXX XXXX XXXX XXXX : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a XXXX XXXX XXXX XXXX With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identity. Yet, in the midst of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the XXXX XXXX XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that Equifax will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Driveway Finance Corporation
State: MI

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : I noticed in the contract that was presented to me that there are violations that are not consistent with Consumer Law. According to 15 US 1662 ( b ) mixing cash with consumer credit transactions is illegal. Other findings include : False and Deceptive Forms 15 US code 1692, Write to Rescind Paperwork was never Furnished to me which violates 15 US code 1635 ( f ), Truth In Lending was never presented to me 15 US code 1601. In addition to illegal credit reporting, Driveway Financial Corporation reported 2 late payment violation of 15 US code 1681 ( a ) statuses to my consumer credit report without my consent which is a clear and concise violation of my privacy, according to 15 US 6802 ( b ) and 15 US 6804 Permissible Purpose ( XXXX XXXX XXXX XXXX  ).

I was not competent to the contract that was given to me. 15 US 1640. Another Violation which is OPT OUT 15 US 6803- Disclosure of Institution Privacy Policy and 16 CFR 433.2 Preservation of Consumers claims and defense, unfair or Deceptive Acts or Practices.

In conclusion, I made an uninformed decision on XXXX XXXX XXXX, I entered this agreement. The only evidence of a debt was null and void because I didnt understand the meaning and the agreement was not conspicuous. This fraudulent transaction needs to be removed from my credit file with all major reporting agencies including any and all third-parties. Refund me all payments made to Driveway Financial as a result to the fraudulent and deceitful nature of this contract. It is imperative that it also be noted without prejudice that punitive damages be recovered by the consumer/secured party. Compensation should be exactly what the dealership accessed me in the faulty contract with the amount of {$56000.00} with fairness and lacking integrity. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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:
See all letters I have attached

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