vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX XXXX and I am sending this message in regards to credit agency TRANSUNION. It has come to my attention that my credit file has errors and I have contacted TRANSUNION through mail on XX/XX/2021 through certified mail # XXXX it was received by XXXX. TRANSUNION sent me a letter stating that the information I disputed was verified. TRANSUNION has a history of reporting erroneous inaccurate information on my credit report and I have the facts to prove it. The account I am disputing XXXX XXXX XXXX XXXX account number : XXXX. TRANSUNION is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported & XXXX XXXX XXXX XXXX is fraud and said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, North Carolina XXXX i will be filing form XXXX treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The company transunion requested need they proof of identity and other information that they needed to process my request for identity theft. I have a supplied my police report, affidavit, and my rental lease agreement. Im still having issues with the same accounts are getting reported on my credit report. I am victim of Identity Theft and I take this serious. My personal information was stolen from a data-breach. As a consumer, I will like them to take action on those accounts. I have sent another request they should have received by XX/XX/22 certified mail. I have reached out to XXXX, XXXX XXXX and XXXX XXXX etc etc. they all agreed to stop reporting the accounts. Its been XXXX weeks and I still havent seen any updates.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has misreported my credit report. After I submitted a dispute my credit report dropped. I submitted another dispute and my credit report dropped again. Also, I was automatically signed up for a service I did not request call Equifax Core Credit. This service might be the issue as well. As of XX/XX/2023 my credit score has dropped from a XXXX to a XXXX just like that. In my Equifax account it stated my credit score dropped XXXX points, but in actuality it dropped XXXX points. I called Equifax and they said a bank reported a overdraft. I explained to Equifax that I never received any information from that bank ( which I never really use about an over draft ). Me purchasing gas 5 months ago should not cause my credit score to drop dramatically. I explained that Equifax math is off because XXXX, therefore my credit score drop is by 68 points. I paid the bank it's XXXX and today I look at my credit score it dropped from XXXX to XXXX after I placed another dispute and voiced my complaint. This drop is another XXXX points. I need help fixing this issue. Equifax is stating it is not them and I believe it is. This situation is negatively affecting things I am trying to do. Equifax admitted in XXXX of 2023 to errors in their credit reporting and this is when my issue started. I want my credit score put back to a XXXX and my positive credit added to that XXXX, which will raise my credit score to where it should be. I worked hard on achieving a high credit score and want my credit score restored to it's accuracy XXXX points from XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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 non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was recently Sold from XXXX XXXX to Shellpoint/New Rez loan servicing company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with XXXX XXXX without an extension. However I attempted to request an extension with XXXX XXXX loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called XXXX XXXX they informed me my loan was sold to Shellpoint/New Rez. Up until the date of XX/XX/2023 XXXX XXXX did not QRPC according to XXXX XXXX servicing guideline with me regarding the ending of the forbearance. 

At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. Shellpoint/new rez as of this date has not responded with a resolution this issue, Or even attempted QRPC according to XXXX XXXX Servicing guideline for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. 
As of today Im only 6-7 months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 I ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Veros Credit, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I was sold a XXXX XXXX by XXXX XXXX XXXXVerdis credit, that unknowing to me had a bad transmission that the dealership refused to replace after it went out in only 8 months into the purchase. I was force to pay a {$2500.00} down payment on the same vehicle, even though I received total financing for the vehicle. I was also forced to purchase insurance on the same vehicle before being allowed to leave the car lot. I believe that XXXX XXXX XXXX along with Veros credit knowingly deceived me in my buying process and forced me to pay moneys that were already allotted. I was charged late fees and the vehicle was repossessed in retaliation of my request to have the vehicle repaired. They also failed to explain the complete purchase contract in accordance with the Truth in lending Act. They violated Title 15.1635 ; 1605..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Recently, I did an investigation on my credit report which caused excruciating pain, mental anguish, severe XXXX upon me when, I found Questionable Items that your agency Experian is reporting. Ive sent out multiple letters to Experian to no avail Experian has failed to respond to my request. Iam writing to file a complaint with the Consumer Financial Protection Bureau regarding an extended fraud alert that remains on my credit report despite multiple attempts to correct the information damaging my credit report and making it difficult for me to obtain Credit or Loans.. Ive sent multiple letters to Experian requesting the immediate removal and provide me with documentation a free copy of my Experian Credit Report so that I can assess that it has been 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I never received a response from the credit bureaus or the creditor. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Also, this personal information is inaccurate and has not been proven. I've addressed this in the past and it needs to be removed!! Delete these unknown and unproven addresses : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this message in regards to credit agency Experian. It has come to my attention that my credit file has errors and I have contacted Experian through mail on XX/XX/2021 through certified mail # XXXX it was received by XXXX. Experian sent me a letter stating that the information I disputed was verified. XXXX has a history of reporting erroneous inaccurate information on my credit report and I have the facts to prove it. The account I am disputing XXXX XXXX XXXX XXXX account number : XXXX. EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported & XXXX XXXX XXXX XXXX is fraud and said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EXPERIAN Commission file number 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  i will be filing form XXXX treasury omb forms to audit consumers account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have written Experian and XXXX XXXX XXXX several times disputing the inconsistencies in my credit report. They continue to update false information. In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested Experian, XXXX, and XXXX to reinvestigate this account. To date XXXX has been the only company to properly investigate this account and delete it : However, Experian and XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, closed date more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts if it isn't reporting correctly. Also. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, the credit agencies are not in compliance with metro 2 credit reporting. I have attached evidence for my case.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX XXXX  ( through Chase ). The promotional offer I applied for listed XXXX miles and XXXX  'Premier Qualifying Points ' ( PQP ) after an initial spend on {$5000.00} in the first 3 months of card ownership. 

I completed this initial spend, and received the XXXX miles. However, I did not receive the PQP that were advertised. Currently the offer lists only the XXXX miles as part of the initial offer, but I applied on XX/XX/XXXX, before the offer expired on XX/XX/XXXX, so I believe I am still entitled to this benefit, and would like this to be applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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: ID

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX  -- - IDENTITY THEFT UNAUTHORIZED INQUIRIES : 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  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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: ID

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXXXXXX -- - IDENTITY THEFT UNAUTHORIZED INQUIRIES : 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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 explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
XX/XX/ noticed fraudulent charges on my brand new credit card from Aspire. I immediately commenced an online chat, explained which charges and request my card to be cancelled and a new one to be issued. The online chat acknowledged ( I have screenshots of same ) and issued new card. Online chat advised for me to contact the fraud department at XXXX. I immediately started to try and call. I have all records of the two dozen calls I have made and was instructed to leave a voicemail and never received a call back. I finally connected to a representative who then emailed me a fraud form to complete. I completed/complied and emailed it back immediately on XXXX I received a subsuqent email again asking me to call the fraud department. I have called several times a day, to no avail. I sent a certified letter to them on XX/XX/ which was received by Aspire on XX/XX/. To date, the charges are remaining on my NEW account with no return calls or emails or a provisional credit issued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation