vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX  to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-11-27 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX  to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-11-27 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: Rent Recovery Solutions
State: LA

Complaint narrative:
XXXX ) XXXX XXXX XXXX Mortgage Consultant XXXXXXXX XXXX XXXXXXXX and Underwriter XXXX notified former creditors when they noticed on my background check that I lived in a large apartment complex for a short period of time. They knew that I likely broke the lease because of noise complaints I made to the apartment management team that went unresolved, so I legally broke the lease. XXXX XXXX without my consent notified the large management company : RENTRECOVERYSOLUTIONS Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ID XXXX collected Appraisal Fee up-front before I was approved and before Loan Estimate. XXXX also made mathematical errors that cause the Cost to Close increase by {$2600.00} the day before closing, causing the loan to be canceled at last second, sellers had already moved out, want to file lawsuits because of XXXXXXXX XXXX gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Im writing regarding an issue with my business mortgage account with Mr. Cooper. About two months ago, I was unexpectedly charged for flood insurance. When I reached out to your team, I was informed that my flood insurance had supposedly lapsed, and as a result, you purchased a policy from the market. 

This came as a surprise since everything regarding my insurance is automated, and Im unsure why your system flagged it as lapsed. I spoke with a representative on the same day and provided proof of insurance to confirm that my coverage was never interrupted.

It has now been almost one and a half months since I submitted the proof. During this time, I have called three times and sent emails to follow up Representative confirmed that my flood insurance never lapsed, yet my account still shows a negative escrow balance. This issue is also preventing me from making additional payments toward my principal. 
XXXX filing a complain with cfpb would bring some attention. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
According to the FCRA section 605B it is illegal to report anything on my credit file and reports without my permission. I have never given my written, verbal, implied, or expressed permission to publish anything on my credit profile.

Furthermore, The bureaus have not removed the misspellings of my names. 

My only Name : XXXX XXXX My only Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX My only Social Security Number : XXXX That is the only legal/lawful spelling of my name and the correct address I have ever lived at. The bureaus have failed to update my information and delete the incorrect information which is a direct violation 15 U.S. Code 1679c - Disclosures.

Further Violations by the bureaus - 15 U.S. Code 1681i - Procedure in case of disputed accuracy, as they fail to correct this information and reflect it now for over a 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 explanation
Consumer complaint received 2024-11-27 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: Credit Karma, LLC
State: KY

Complaint narrative:
I consolidated my debt 5 years ago. I signed up for Credit Karma to keep track of credit score progress. First the started offering guaranteed credit cards as a way to build my credit. When I applied and was denied, it hurt my score. So I waited two more years until the consolidation loan was paid in full.

When the app said my score was XXXX, I applied for one of their suggested cards. They said it would help my credit. As soon as I used the card, my score dropped XXXX points! I needed a new car so I had to wait again for the score to go up. I would not have gotten the credit card if I thought it would affect my score that way, because I really needed a new car. 

I paid off the credit card before it was even due. I waited a month, called the credit card company and they said it might take 90 days before they trusted me and would report then. 

I waited and when Credit Karma said my score was XXXX again and went to the dealer. The same two credit agencies that Credit Karma reported as XXXX and XXXX, were reporting to the dealer in the low to mid 600s. 

The deal I created with the dealer using Credit Karma scores was completely not valid and I ended up paying over {$100.00} more on my monthly payment because of this discrepancy. 

Credit Karma is a good place to track creditors, otherwise it is a predatory company giving misinformation. It has been really disappointing and frustrating over the last few years. 

This is why I want to file a complaint. Theres no one to talk to to ask why did they report to me? My score was XXXX when the credit company they were supposed to be quoting was much lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Item was purchased ( ordered ) from Neiman Marcus ( XXXXXXXX XXXX XXXXXXXX ) using Capital One XXXX XXXX Credit Card in XX/XX/year>. The pair of XXXX slides were returned to the Neiman Marcus store due to the item being " deficient '' in quality, materials, craftsmanship, standard, etc. The item was returned to the store less than 30 days from purchase, before XX/XX/year>. 

The product for {$1100.00} has not been credited to account. 

Capital One XXXX XXXX requested additional information regarding transaction. Information was provided, confiming issue with product, date of return, etc. XXXX XXXX credit card company received 3 pages of documents regarding this matter per a link but has refused to upload the correspondence to the account ( rep verbally stated it was received ) I do not own the product. It was returned to Neiman Marcus, over a month ago! Neiman Marcus has confirmed posession and issue with product. 
Capital One XXXX XXXX account still reflects {$1100.00} charge for the deficient product though it was returned more than a month ago. 

Per credit card consumer laws and guidelines within the USA, " Claims and Defenses '' this account is due a credit for {$1100.00} plus interest for the past two billing cycles ( time frame from when the item was returned in and the posession of Neiman Marcus XXXXXXXX XXXX XXXX ) XXXX. I have reached out to the company, the product cost more than {$50.00}, there was a good faith effort to work with the seller XXXX. The item was defective!! 

XXXX. Capital One XXXX XXXX credit card is intentionally going against the dispute process for the credit card and charging item to account is unethical, contradictory to the contract. 
They are refusing to process and review the dispute in good faith, acknowledge that customer NO LONGER OWNS PRODUCT! 
XXXX. Each representative has providing false information confusing the situation more. 

XXXX. Capital One XXXX XXXX credit card is ghosting the situation and hurting credit score and credit card account. 

XXXX. While a dispute is being processed on an account there is supposed to be a credit and for me to be charged intererst and charges for an item that the credit card company has confirmed is in the possession of the store is OUTRAGEOUS! 
XXXX. This is a valid dispute and a chargeback credit on the XXXX XXXX Credit Card Account id due for {$1100.00} plus all associated fees!! 

It is now XX/XX/scrub>XXXX  The product was returned to the store over a month ago. XXXX has acknowledged that I am not in posession of the item. but refuses to credit account. A customer can not and shoud not be financially responsible for a defective product returned to store!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1692c, it states that, if a consumer notifies a debit collector in writing that consumer refuses to pay a debit or that the consumer wishes the debit collector to cease further communication with the consumer, the debit collector shall not communicate further with the consumer with respect to the debit. The debit collector may only communicate with the consumer, my attorney, a consumer reporting agency if otherwise permitted by the law, the creditor, the attorney of the creditor or the attorney of the debit collector. As a result of my investigation i found that XXXX XXXX  has reported misinformation and has continued to disregard the law. Please remove the following items from my report immediately : 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 2024-11-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MO

Complaint narrative:
Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within 15 days. I have included the necessary documents for your review and reference.

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 2024-11-27 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: MA

Complaint narrative:
I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : As CLEARLY stated in 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does NOT include ANY reporting containing information solely as to transactions or experiences between the consumer and the person making the report. The reported information was an EXPERIENCE of mine, which means that the information must be EXCLUDED from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act DILLARDS/ CBNA has violated my rights under 15USC1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-11-27 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: EQUIFAX, INC.
State: NY

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 studying 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-27 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: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
I've contacted the company on 4 separate occasions each time they told me they would call back when I call them. They say they do not make call backs. I recently spoke with someone in the credit department who said they removed my account for my credit report because they reported something incorrectly. They say they are not obligated to put it back on my credit report and will not do so. 

On my last call, they said someone would be escalated, and they would call me back with a resolution.The resolution is that they will not put it back on my credit report. As a result, my credit draft XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to formally request, pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), that you provide physical verification of the original signed consumer contracts for any and all accounts that are currently being reported on my credit file. 
Specifically, I am requesting the following : XXXX. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report. 
XXXX. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this. 
If you are unable to provide the original signed contracts, I am demanding that the below accounts be immediately deleted from my credit file, as they are not properly verified as required under the FCRA. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance {$420.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$0.00} XXXX XXXX Account Number XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX & XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
There are addresses in my report that are not mine or never been mine.

Company response to consumer: Closed with explanation