vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$370000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to address a pressing issue regarding the unauthorized disclosure of my credit information. Safeguarding my personal data is paramount to me, rooted in my upbringing and values that prioritize privacy and consent in sharing sensitive information. 
According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; consumer reporting agencies must adhere to stringent guidelines to protect individual privacy. This statute stipulates that such agencies can only release consumer reports under specific conditions, primarily requiring explicit, written consent from the individual concerned. 
It has come to my attention that my credit information has been shared by your agency without my authorization, directly violating section 15 U.S. Code 1681b ( a ) ( 2 ). This section explicitly mandates my written approval before disseminating my credit report. 
The absence of my consent in this instance not only breaches federal law but also disregards my fundamental rights to privacy and control over my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Collection account is only showing on one of my credit reports and was deleted from the other two credit buraus. XXXX XXXX has not provided any proof requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request an investigation and correction of inaccurate reporting on my XXXX student loans. I have noticed that my credit report incorrectly lists several of my student loans as past due for various months. These entries are incorrect and negatively impact my credit. Below are the details of the discrepancies : XXXX  Days Past Due : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Days Past Due : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The XXXX loans affected are : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request an investigation and correction of inaccurate reporting on my XXXX student loans. I have noticed that my credit report incorrectly lists several of my student loans as past due for various months. These entries are incorrect and negatively impact my credit. Below are the details of the discrepancies : XXXX Days Past Due : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Days Past Due : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The XXXX loans affected are : # 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 2024-06-05 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: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/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 explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: NV

Complaint narrative:
Accounts are showing " charged off/purchased by another lender '' as well as late payments and past due. I requested proof and was neve provided with any proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NV

Complaint narrative:
Accounts are showing " charged off/purchased by another lender '' as well as late payments and past due. I requested proof and was neve provided with any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) require the three credit bureaus to validate these accounts. It is not authorized to fail to authenticate these reporting accounts as unverified information without giving proof within the time range required by law. My credit report has the following incorrect information, which needs to be examined and corrected. 
XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) require the three credit bureaus to validate these accounts. It is not authorized to fail to authenticate these reporting accounts as unverified information without giving proof within the time range required by law. My credit report has the following incorrect information, which needs to be examined and corrected. 
XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: OH

Complaint narrative:
I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXXXXXX  {$200.00} XX/XX/XXXX XXXXXXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: OH

Complaint narrative:
I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXX {$200.00} XX/XX/XXXX XXXXXXXX XXXX {$560.00} XX/XX/XXXX XXXX  XXXX {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: AZ

Complaint narrative:
I went to a XXXX XXXX ATM on XX/XX/XXXX XXXX. I deposited {$720.00} in cash to my Dasher Direct XXXX XXXX XXXX  as this is a preferred ATM for deposits with my bank ( XXXX XXXX - Dasher Direct ) and I have deposited there before. 

XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sequence # XXXX Terminal XXXX The ATM held my funds and said There was a problem and your cash has been retained. Your transaction has been cancelled. Please contact your financial institution for assistance. 

I immediately called the XXXX # on the ATM and they told me my financial institution has retained my funds and I need to submit a formal complaint with them. I called Dasher Direct the same day they told me I had to wait at least an hour to see if it resolves itself, I did & then they were closed. I called back the next morning and they filed a formal report on XX/XX/XXXX. Since I provided all the necessary/ requested information I have not received a response or any updates. Dasher Direct just keeps sending automated responses that my claim is being reviewed and the ticket # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
There is a XXXX XXXX Account reporting on my credit report. I have called, writen and emailed. This account is not mine. SOmeone else opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: RFNA, LP
State: FL

Complaint narrative:
In reviewing my credit report i noticed that there was a tradeline for republic finance in XXXX. i didn't open this loan. i sent over copy of police report a couple of months back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
Why Im still receiving emails for the bureaus saying Im helping to third party company which is not true. I'm the one who send out letters. Please make an action now or I will sue you. heres the list of negative accounts and inquiries I want to dispute. 

XXXXXXXX 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 XXXXXX/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 2024-06-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Why Im still receiving emails for the bureaus saying XXXX helping to third party company which is not true. I'm the one who send out letters. Please make an action now or I will sue you. heres the list of negative accounts and inquiries I want to dispute. 

XXXX : XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX Experian : EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$4000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$4000.00} 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 explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: NV

Complaint narrative:
Accounts are showing " charged off/ purchased by other lender '' but still show a past due balance as well as late payments. 
Collection account is only showing on one of my credit reports and was deleted from the other two credit buraus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NVR INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint against NVR Mortgage Finance , Inc. regarding their handling of my loan process for a property located in XXXX XXXX. I believe that NVR has engaged in practices that are misleading and potentially predatory, resulting in significant financial and XXXX XXXX. The key issues I have encountered are as follows : 1. Lack of Communication Throughout the building and loan process, NVR has consistently failed to communicate effectively. Despite multiple inquiries, I have not received firm confirmation of the closing date, which has severely impacted my ability to schedule necessary utilities and equipment deliveries as well as move out of my current residence which has a firm deadline to move of XX/XX/2024. 

2. Prolonged and Uncertain Closing Date My original closing date was set for XX/XX/XXXX. It is now over XXXX months past that date, and the closing process remains rushed and uncoordinated. This prolonged delay is unreasonable and has caused considerable inconvenience. 

3. Mismanagement of Rate Lock and Float Down Option I paid XXXX XXXX of my loan ( XXXX ) for a rate lock and float down option with the understanding that if interest rates decreased, I could float down my original interest rate to a lower option and the {$30000.00} incentive XXXX homes agreed to would cover the remaining closing costs. However : - NVR did not communicate the true purpose of the float down option when it was offered. They continue to not directly answer my question on why the original interest rate isnt able to float down. 
- My inquiries about the float down option in XXXX, which would have lowered my interest rate to XXXX XXXX, were not addressed. My rate was not locked during this period because it fell outside the XXXX day window before the " closing date, '' leading to a significantly higher current interest rate. 
- Last week, I was given only XXXX days to decide on utilizing the rate float down, which is insufficient time to make an informed decision. 

4. Discrepancies in Closing Costs and Fees The loan estimate provided indicates significantly higher closing costs than initially communicated. Specific issues include : - An unexplained requirement of {$17000.00} in cash to close, despite already paying an XXXX XXXX XXXX ( XXXX ) of {$32000.00} and a XXXX XXXX fee for the rate float down. 
-A {$540000.00} property with a XXXX XXXX down payment should not result in total closing costs of approximately {$85000.00}. 

5. Potential Predatory Lending Practices The combination of poor communication, delays, mismanaged rate lock options, and significantly higher than expected costs suggests practices that align with predatory lending.

Company response to consumer: Closed with explanation