vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX D.O.B. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. 

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency.

I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXXXXXX  and is actively reporting " last activity '' of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED

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 2024-10-06 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: FL

Complaint narrative:
I didn't authorize application for credit card. I want the unauthorized inquires removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I didn't authorize application for credit card. I want the unauthorized inquires removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: FL

Complaint narrative:
I didn't authorize application for credit card. I want the unauthorized inquires removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: MD

Complaint narrative:
I pay my auto loan, mortgage and HELOC every two weeks from my bank account auto bill pay systems. Every other month I have a issue with XXXX XXXX claiming to not receive my checks and then out the blue they will process the payment. If my check is dated the XXXX of the month and I show proof that the bank mailed the check on the XXXX and XXXX find the check on someone desk on the XXXX, they will charge me a late fee without considering the facts and supporting documents. I have diligently been tryin to resolve the problem and I am not getting any response. XXXX XXXX keeps repeatedly charging me late payments and reporting to the credit bureaus that I am late on payments and I have provided supporting documents that the payments are being sent.

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 2024-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
my name is XXXX XXXX XXXX XX/XX/XXXX XXXX l financed a vehicle through ford credit ACT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my vehicle was repossessed. 

XX/XX/XXXX called ford XXXX XXXX at XXXX XXXX  and spoke to XXXX and l had 2 inquiry with XXXX XXXX was copy of. the loan contract and information to reinstate my loan and pick up lot info. 
when l requested the loan contract to be sent to me XXXX was very unwilling to do so which l felt it was un ethical even asked for me to call the DEALER SHIP WHERE l purchased the vehicle. proceeded to tell her can't l get the contract from ford credit the contract from ford credit. XXXX got noticeabley agitated she had me on hold for over 15 min and then said it will be mailed to me. then said now l will interview you on reason for repo. then immediately followed up with the loan WILL NOT BE REINSTATED. l explained to XXXX that bank made an error they sent the payment twice and then retracted twice and didn't give a reason l begged XXXX to to please re consider she said to speak with her supervisor name XXXX. she sent to his extension and l left several voicemail and XXXX has never called me back. l then called and spoke to another redemption team member name menni and she went through the actt info and expressed that it didn't make sense to her why XXXX didn't reinstate the loan it was a uniq situation l also at this point paid through XXXX XXXX. all the past due balance and towing fees to show good faith.l even offered to make a additional downpayment deposit XXXX  again they said XXXX would call me back and the call never happened l ASK THAT ALL MY CALLS BE LISTENED TO. and if possible send me a copy as well of calls and contract. 

also when vehicle was picked up driver left massive tire mark on my whole drive way. now the HOA IS TRYING TO FINE CAUSE OF THE DOINGS OF THE REPO CONTRACTOR l HAVE footage and images of the doings l truly don't understand how this affects a consumers life on they not being resonsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: NC

Complaint narrative:
I would like to first explain to you, that I have found errors in my consumer report. After looking at a copy of my credit report. The credit report showed incorrect information by your company that I do not authorize. Per 15 USC 1681 B Permissible Purposes, you need my approval to place any information on my credit report. Also, per 15 USC 1681 EB Compliance procedures, you have to be 100 % accurate you are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Letters have been sent to all three bureaus with no corrective action of illegal remarks removed from credit report. 
All three bureaus submitted corrective action under FCA and USC15 codes. 

Since bureaus was notified I have been locked out online portals to submit further action against such bureaus. Any additional contact via phone line to customer support has not assisted with access to account no deletion of accounts found on report - specially XXXX. 
XXXX XXXX XXXX XXXX XXXX and Birthcertificate found on dark web. Also may have highly been impacted by late data breach : XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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:
Letters have been sent to all three bureaus with no corrective action of illegal remarks removed from credit report. 
All three bureaus submitted corrective action under FCA and USC15 codes. 

Since bureaus was notified I have been locked out online portals to submit further action against such bureaus. Any additional contact via phone line to customer support has not assisted with access to account no deletion of accounts found on report - specially XXXX. 
XXXX XXXX XXXX XXXX XXXX and Birthcertificate found on dark web. Also may have highly been impacted by late data breach : XX/XX/2024.

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 2024-10-06 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX  # XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED

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 2024-10-06 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: Veros Credit, LLC
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question that listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Report Act, 15 U.S.C 1681g, I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). 

By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted Name Of Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AL XXXX Date : XX/XX/XXXX Hard Inquiry not recognizable by account owner. I did not verify this hard inquiry myself. 

Name Of Account : XXXX XXXX XXXXXXXX XXXX. 

Date : XX/XX/XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Collection has been paid by account owner. 



Name of account : XXXX XXXX XXXX Date : XX/XX/XXXX Balance has been paid off by account owner. 



Name of account : XXXX XXXX ( Auto Loan ) Date : XX/XX/XXXXXXXX  Account number : XXXX account is closed. 

Collection has been PAID OFF BY CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

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. 

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 a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: CO

Complaint narrative:
Roundpoint bought our mortgage from XXXX. I made changes to my automatic payments through my bank ( XXXX ). I have never missed a payment or have been late in fact I pay a little bit early. When I called Roundpoint after receiving foreclosure mail with no numbers or dates on it they said that my payment went up in XXXX by XXXX. They did not notify me of this change, but I quickly paid the past due amount in XXXX. They couldn't seem to understand that I have never been late and in fact have been paying early. I continued to have late payment notices, when I called Roundpoint again they said that they mistakenly applied the full XXXX payment to the principle. I stated that I should not have to pay late fees due to their clerical errors. None of the statements from them reflect any of this. I am concerned that them reporting my payments late since they took over the loan servicing will effect my husbands and I 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: NC

Complaint narrative:
I have attempted to dispute this item for the last ten months. My XXXX XXXX card account has been reporting that my account was negative in the month of XX/XX/year>. My account was NOT to my knowledge late in the month of XX/XX/year>. I have requested for proof that no payment was made on this account and the administrator of XXXX XXXX card services has been unable to provide this information. I have disputed this information with all three credit bureaus, XXXX, XXXX, and TransUnion. All bureaus have stated that this is verifiable information however when I ask for the documents used to verify I receive no response.

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 2024-10-06 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: NC

Complaint narrative:
I have attempted to dispute this item for the last ten months. My XXXX XXXX card account has been reporting that my account was negative in the month of XX/XX/year>. My account was NOT to my knowledge late in the month of XX/XX/year>. I have requested for proof that no payment was made on this account and the administrator of XXXX XXXX card services has been unable to provide this information. I have disputed this information with all three credit bureaus, XXXX, Equifax, and XXXX. All bureaus have stated that this is verifiable information however when I ask for the documents used to verify I receive no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: NC

Complaint narrative:
I have attempted to dispute this item for the last ten months. My XXXX XXXX card account has been reporting that my account was negative in the month of XX/XX/2023. My account was NOT to my knowledge late in the month of XX/XX/2023. I have requested for proof that no payment was made on this account and the administrator of XXXX XXXX card services has been unable to provide this information. I have disputed this information with all three credit bureaus, Experian, XXXX, and XXXX. All bureaus have stated that this is verifiable information however when I ask for the documents used to verify I receive no response.

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