vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
This is my final notice before pursuing legal action concerning unresolved issues with my credit report. Despite previous communications, the accounts in question remain inaccurately reported, violating multiple federal regulations governing credit reporting.

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 2024-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
In XX/XX/year>, a collection account from Wakefield & Associates appeared on my credit report with an outstanding balance of {$1200.00}. The original creditor is listed as XXXX XXXX XXXX. I do not recognize this debt, nor have I ever had an account or any dealings with XXXX XXXX XXXX. The account is marked as past due as of XX/XX/year>, and no payments have been made because this debt is not mine. 

I have not authorized this debt, and I believe it may have been added to my credit report in error or as a result of identity theft. In XX/XX/year>, I contacted Wakefield & Associates and disputed the account with credit bureaus. 

I request that this collection be removed from my credit report and all collection activities stop immediately. I am willing to provide any additional information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Late in XXXX I started to receive letters about my property not having hazard insurance from Newrez- they had recently purchased my mortgage from a a previous servicers ( XXXX ). On XXXX XXXX, I sent Newrez a letter of complaint and proof of my XXXX property having hazard insurance. They responded that they were looking into the matter. In XX/XX/XXXX, I started to receive letters and documents of future charges into my escrow for hazard insurance. I once again sent them proof of my insurance of property to XXXX This month I received another letter stating that Newrez had purchased hazard insurance on my behalf.

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 2024-10-21 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: TX

Complaint narrative:
I am writing to formally dispute the following unauthorized hard inquiries on my credit report, as I am a victim of identity theft. These inquiries were made without my consent or knowledge and are the result of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting that you immediately remove the unauthorized hard inquiries from my credit report. As per the provisions of the FCRA, victims of identity theft have the right to have fraudulent information removed from their credit file. 

The unauthorized hard inquiries I am disputing are as follows : Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX  XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: MS

Complaint narrative:
I am writing regarding the ongoing inaccuracies related to the account in question, which has been disputed multiple times with all three credit bureaus ( XXXX, XXXX, and TransUnion ), as well as with XXXX XXXX. Despite my previous efforts, this account continues to be inaccurately reported across all platforms. 

My most recent dispute, under Confirmation Number XXXX, was submitted on XX/XX/year>. The investigation was marked as completed on XX/XX/year>. According to the results, the account information was " Modified, '' which inherently suggests that changes were made. This leads to a significant question : How can the information be simultaneously " verified as accurate '' while also being " modified ''? The two are logically inconsistent. 

Additionally, the account information reported by XXXX XXXX does not align with the data provided by XXXX and TransUnion, even though XXXX XXXX is responsible for reporting directly to these credit bureaus. This ongoing inconsistency demonstrates a clear failure in the credit reporting process. 

I have attached XXXX XXXX initial response to my first complaint, in which they claimed the information was accurate and verified. Yet, when I submitted further disputes with the credit bureaus, the information was once again modified without any resolution of the inaccuracies. This continued failure to provide accurate reporting highlights willful negligence on the part of XXXX XXXX and the credit bureaus ( TransUnion, XXXX, and XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information, including XXXX XXXX, are required to provide accurate information to the credit bureaus. The ongoing misreporting and failure to correct the record after multiple disputes violates these statutory obligations. Additionally, I believe I am entitled to damages for each month this account has been inaccurately reported, as well as for each violation committed by the credit bureaus and XXXX XXXX. 

In light of the continuous inaccuracies over the past few years, I am prepared to settle this matter for {$5000.00}, an amount I consider to be a fair and reasonable remedy given the harm caused. This includes the removal of the inaccurate account from all three of my credit reports. If this resolution is not achieved, I am fully prepared to proceed with legal action, as my consumer law attorney is ready to take the necessary steps to seek the full remedies afforded to me under the FCRA until a satisfactory resolution is reached. 

I expect to hear from you promptly regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: MS

Complaint narrative:
I am writing regarding the ongoing inaccuracies related to the account in question, which has been disputed multiple times with all three credit bureaus ( Equifax, XXXX, and XXXX ), as well as with XXXX XXXX. Despite my previous efforts, this account continues to be inaccurately reported across all platforms. 

My most recent dispute, under Confirmation Number XXXX, was submitted on XX/XX/year>. The investigation was marked as completed on XX/XX/year>. According to the results, the account information was " Modified, '' which inherently suggests that changes were made. This leads to a significant question : How can the information be simultaneously " verified as accurate '' while also being " modified ''? The two are logically inconsistent. 

Additionally, the account information reported by XXXX XXXX does not align with the data provided by XXXX and XXXX, even though XXXX XXXX is responsible for reporting directly to these credit bureaus. This ongoing inconsistency demonstrates a clear failure in the credit reporting process. 

I have attached XXXX XXXX initial response to my first complaint, in which they claimed the information was accurate and verified. Yet, when I submitted further disputes with the credit bureaus, the information was once again modified without any resolution of the inaccuracies. This continued failure to provide accurate reporting highlights willful negligence on the part of XXXX XXXX and the credit bureaus ( XXXX, Equifax, and XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information, including XXXX XXXX, are required to provide accurate information to the credit bureaus. The ongoing misreporting and failure to correct the record after multiple disputes violates these statutory obligations. Additionally, I believe I am entitled to damages for each month this account has been inaccurately reported, as well as for each violation committed by the credit bureaus and XXXX XXXX. 

In light of the continuous inaccuracies over the past few years, I am prepared to settle this matter for {$5000.00}, an amount I consider to be a fair and reasonable remedy given the harm caused. This includes the removal of the inaccurate account from all three of my credit reports. If this resolution is not achieved, I am fully prepared to proceed with legal action, as my consumer law attorney is ready to take the necessary steps to seek the full remedies afforded to me under the FCRA until a satisfactory resolution is reached. 

I expect to hear from you promptly regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
XXXX did not send me a letter that my payments were being increased in XXXX. I received a letter XX/XX/XXXX that my payments were increased and I had a hefty late charges. I called them and asked why wasnt I notified and I was greeted with you need to pay. I will be calling them again today ( Monday XX/XX/XXXX ) to try to get some resolution. I dont know if I can trust them. I have been paying them faithfully every month until XXXX payment in which I submitted {$45.00} check they told me to send and they turned around and sent me a cost of default letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-10-21 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc
State: KY

Complaint narrative:
To whom it may concern : Credit Fresh XXXX XXXX Member FDIC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX I am writing in complaint with your company loan process that I am trying to pay off, but I have noticed that only a {$10.00} is going towards my principle and your company is collecting {$55.00} out the {$65.00} I am paying every two weeks. It has been a year since I have had this loan open, and it seems as if I will not be able to pay it off because my biweekly payment of {$65.00} is not going to my balance in full. I need this account closed and put in as paid in full. This is considered predatory lending ; you give out a loan that makes it difficult for people to pay off this company should not be able to practice in this manner. I will be seeking an attorney to further review my loan agreement. I will also send this complaint to XXXX for further action. They claim the billing cycle fees but what they are doing is not legal. I hope to join the class action lawsuit along with the other customers who have been wronged by credit fresh. I hoping to get all of my refund back from the overpayment. I have received emails XX/XX/year> stating that I owe and additional {$110.00} because I had a missed payment in XXXX. I have reached out to this company regarding this matter and they have not tried to resolve the debt. They keep asking for more money, I will never get this paid off because they have it set up in away that is not making it possible to do so. I was also told over the phone by customer service when I asked what will it take to pay this loan off and I was quoted another {$1000.00} something dollars, so basically all together I would be paying {$2000.00} dollars. I did not understand the loan application of how it was set up and writting out on how much I would pay back but I only borrowed {$1000.00}. FYI, I have also reported this complaint to the XXXX and they did not receive any response from Credit Fresh.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
I have submitted multiple complaints to Equifax, XXXX, and XXXX. I have not received the results of the investigations. Nothing has been mailed to my address provided. I have attached my dispute letters. I am hoping the CFPB can provide oversight to the bureaus to ensure my credit report it fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Vehicle loan was taken out on a XXXX XXXX XXXX XXXX XXXX. Three year loan with XXXX XXXX XXXX  which has been taken over by Capital One. Looking for a lien release as car can not be sold. Capital One was called numerous time with no response since they say it is too old and have no records under XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am redisputing several accounts that were not properly investigated, as the previous investigations failed to provide accurate and complete results. Additionally, there are unauthorized inquiries on my credit report that I did not approve. These inquiries and accounts are negatively impacting my credit score, and I request a thorough reinvestigation of both the disputed accounts and unauthorized inquiries to ensure accurate reporting.

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