vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC
State: AL

Complaint narrative:
I reached out to the original creditor XXXX on XX/XX/year>. I asked if we could settle our debt. We came to an agreement that I would pay XXXX and our debt would be settled. Although we settled, XXXX still turned my account over to a collection agency. The collection agency is DNF associates. I provided proof of payment to DNF. XXXX  also confirmed that we settled and DNF still reported in accurate information to 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 2024-09-25 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: CA

Complaint narrative:
I am a victim of identity theft. These are the inquiries with the name and date attached to them, that was fraudulently made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately and have them have these inquiries removed immediately! 

XXXX XXXX VIA DEALER ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: VA

Complaint narrative:
In XX/XX/year> my $ XXXX balance was paid down to {$14000.00}. This means the account balance is : {$14000.00}! Not XXXX that all the bureaus are reporting. Ive notified each of the credit bureaus and provided documentation from XXXX and XXXX  and STILL my credit report is showing XXXX in XXXX  loans. This needs to be updated accordingly. The credit bureaus have removed accounts, but neglected to update the balance! PLEASE DO YOUR JOB!!!!!! This is my second request. Next, we will be in the federal court asking a judge why my credit report is inaccurate and how I can be properly compensated for damages and incurred losses due to the negligence of Transunion, XXXX, and 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 2024-09-25 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: VA

Complaint narrative:
In XX/XX/year> my $ XXXX balance was paid down to {$14000.00}. This means the account balance is : {$14000.00}! Not XXXX that all the bureaus are reporting. Ive notified each of the credit bureaus and provided documentation from XXXX and XXXX  and STILL my credit report is showing XXXX in XXXX  loans. This needs to be updated accordingly. The credit bureaus have removed accounts, but neglected to update the balance! PLEASE DO YOUR JOB!!!!!! This is my second request. Next, we will be in the federal court asking a judge why my credit report is inaccurate and how I can be properly compensated for damages and incurred losses due to the negligence of XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: VA

Complaint narrative:
In XX/XX/year> my $ XXXX balance was paid down to {$14000.00}. This means the account balance is : {$14000.00}! Not XXXX that all the bureaus are reporting. Ive notified each of the credit bureaus and provided documentation from XXXX and XXXX  and STILL my credit report is showing XXXX in XXXX  loans. This needs to be updated accordingly. The credit bureaus have removed accounts, but neglected to update the balance! PLEASE DO YOUR JOB!!!!!! This is my second request. Next, we will be in the federal court asking a judge why my credit report is inaccurate and how I can be properly compensated for damages and incurred losses due to the negligence of XXXX, Experian, and 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 2024-09-25 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: NY

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Subject : CFPB Complaint for Identity Theft and Fraud This complaint is filed with the Consumer Financial Protection Bureau XXXX CFPB ) to request that TransUnion XXXX XXXX, and XXXX XXXX certain information from my consumer credit report, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). This information is the result of identity theft and fraud and must be addressed within 4 business days of receipt of this complaint. 

The fraudulent information includes : A personal credit card account opened with XXXX XXXX XXXX in XX/XX/XXXX ( Account Number : XXXX ) with a balance of {$2500.00}. 
A credit card account opened with XXXX XXXX on XX/XX/XXXX ( Account Number : XXXX ) with a balance of {$6700.00}. 
These accounts have led to multiple fraudulent hard inquiries and late payments, as well as potential collections reported on my consumer XXXX credit report. Additionally, the address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX is also reported fraudulently. 

I have attached a list of the hard inquiries in question and a copy of my consumer XXXX credit report, which clearly shows these fraudulent items. I do not recognize any of these accounts, collections, or hard inquiries, as they were not initiated by me. All items referenced are the result of identity theft and fraud. For further validation, I have included a copy of FTC Identity Theft Criminal Complaint # XXXX from the U.S. Federal Trade Commission. 

Demand for Relief : In light of the above, I respectfully request the following actions : Block Fraudulent Accounts : I request that all accounts, collections, and hard inquiries identified in this complaint be blocked from my consumer credit report within XXXX business days of receipt. 
Confirmation of Actions : Please send all written confirmation regarding the actions taken in response to this complaint to my email : XXXX. 
Thank you for your prompt attention to this serious matter. I look forward to your swift resolution.

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 2024-09-25 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:
Ive contacted equifax and asked them to delete a XXXX XXXX XXXX account from my credit report, I submitted the application and they refuse to remove the account or update any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: OH

Complaint narrative:
I did not Authorize the following inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX ( Inquiry date XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX ( Inquiry date XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX Inquiry date XX/XX/year> ) XXXX XXXX  XXXX XXXX XXXX, XXXX MI, XXXX ( Inquiry date XX/XX/year> ) XXXX XXXX XXXX DO- XXXX XXXX XXXX XXXX XXXX OH, 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and demand immediate action regarding several inaccuracies and unverifiable items reported on my credit report. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to conduct a reasonable investigation into disputed information upon receiving notice of the dispute from the credit reporting agency .

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and demand immediate action regarding several inaccuracies and unverifiable items reported on my credit report. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to conduct a reasonable investigation into disputed information upon receiving notice of the dispute from the credit reporting agency .

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 2024-09-25 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: FL

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-25 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: NY

Complaint narrative:
To Whom It XXXX Concern, I am disputing multiple egregious errors concerning late payments and unauthorized hard inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX. If immediate action is not taken, I intend to enforce my consumer rights to the fullest extent of the law. Late Payment Disputes The following tradelines incorrectly report late payments despite timely payments per my records. I demand you update to positive now or show me proof you gave me the option to opt out. Under the Fair Credit Billing Act, XXXX XXXX. XXXX, I have the right to dispute these patently inaccurate credit report items. Hard Inquiry Disputes Additionally, the below hard inquiries were accessed without any permissible purpose or authorization as mandated by the FCRA [ XXXX ( f ) ] : XXXX - XX/XX/2023 This inquiry was not authorized - The following inquiry was not authorized and should not be reporting XXXX XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be 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 2024-09-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA XXXX B ( XXXX U.S.C XXXX ) that Equifax credit reporting XXXX XXXX XXXX XXXX appearing on my consumer credit report. That is the result of Identity theft and fraud within XXXX business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of personal credit cards/loans. XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX the account number XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX under the account XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report. Maintained by Equifax which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio is servicing that was apart of the Global Wide Settlement with Department of Justice and the State Atty General regarding secularization fraud which cause economic and housing crisis in the United States. XXXX hey have created fraudulent robo signed documents which includes XXXX assignments they were robo signed XXXX the XXXX  robo signer was XXXX XXXX he fraudulently signed as XXXX XXXX. he was not the XXXX XXXX of the Bank nor the was he the XXXX XXXX for XXXX either. furthermore that was a fraudulent transfer. The XXXX assignment robo signed by another notorious robo signer in 2018 XXXX XXXX is that has been name and found to has been signing thousands fraudulent documents. i have mailed XXXX to Select Portfolio requesting various document and questioned these fraudulent transfers. Fraud can not be the bases of obtaining a deed. THEY ARE NOW ATTEMPING TO FORECLOSURE ON THIS TOXIC LOAN WITH FRAUDULENT ROBO SIGNED ASSIGNMENTS. I SENT A NOTICE OF ERROR, DEBT VALIDATION, AND A LETTER OF DEFAULT ON THE XXXX  AND THEY HAVE NOT SENT A RESONANCE TO ADDRESS ANY OF MY CONCERNS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, I request that you investigate and remove the disputed items from my credit report. You are required to verify these items with the creditor who reported them. Any information that can not be verified by the creditor should be removed. According to 15 U.S.C. 1681i ( a ), this reinvestigation must be completed within XXXX ( XXXX ) days of receiving this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP
State: IL

Complaint narrative:
- Leased a new XXXX XXXX on XX/XX/XXXX through US Bank. 

- Made final payment and attempted to purchase for the " Purchase Option at end of lease term '' and was told I was unable to do so for the price on the contract ( {$7400.00} ). It was stated that there was some sort of error or something. 

- XX/XX/XXXX a letter was received stating the payoff is {$19000.00}. Called to asked why it was not the {$7400.00} on the contract and we told there is an error somewhere. They stated it looks like a XXXX was printed over the $ field and should have been in front of the {$7400.00}. When we argued not seeing that they accused us of maybe " doctoring '' the document. Very offensive since I hold XXXX copy. Their copy says the same. 

- XX/XX/XXXX a letter was received from US Bank stating a different payoff amount of {$18000.00}. 

- XX/XX/XXXX Call with US Bank stating we intend to buy the car for the contracted purchase option price. They said no. 

- XX/XX/XXXX Tow company started calling again to pick up the car. 

If there is a " XXXX '' hidden behind a " $ '' sign how could one make a sound economic decision when leasing a car. If a error, why not caught by underwriting and the dealer. If on purpose it is very deceptive. Either makes the deal look way more attractive. We want our car for the price on the contract. It is my last car, I am XXXX in XXXX! 

I have yet to return the car. Happy to send the {$7400.00} immediately but they won't accept.

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 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PMB XXXX XXXX Tx, XXXX SSN : XXXX DOB : XX/XX/XXXX Dear : XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which XXXX required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you XXXX also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within XXXX business days of the written confirmation. 

Thanks in advance XXXX XXXX Date : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint against LVNV Funding LLC due to their repeated failure to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and request for proper documentation, LVNV Funding LLC has failed to provide sufficient proof that they have the right to collect this debt. 

The only documentation I received was a generic account summary and a copy of an old statement from the original creditor, XXXX XXXX Bank, which does not meet the legal requirements for debt validation. Specifically, I requested a signed contract or an agreement proving the validity of this debt and their authority to collect, but they have failed to comply. 

The account in question continues to be inaccurately reported on my credit reports, and the insufficient validation provided by LVNV Funding LLC is in violation of my rights under XXXX U.S.C. XXXX ( b ) and XXXX XXXX. XXXX. 

As this inaccurate and unverifiable account has caused significant harm to my XXXX XXXX, I am requesting that this account be deleted entirely from my credit reports. XXXX XXXX LLCs continued failure to comply with debt validation laws has left me with no other recourse but to file this complaint.

Company response to consumer: Closed with explanation