vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: IN

Complaint narrative:
Subject : TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect XXXX information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XXXX : I submitted my first dispute regarding the incorrect XXXX information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 
- XXXX : I filed another dispute, and on XXXX than XXXX hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 
- XXXX : I made a third attempt to dispute the XXXX record. On XXXX at XXXX AM, I received yet another email indicating that TransUnion investigated XXXX public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect XXXX  record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The XXXX record in question belongs to my father, XXXX XXXX, who has a similar Social Security number and previously lived at my address. I have never filed for XXXX, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : Lvnv Funding LLC XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice delivered to me on XX/XX/year>XXXX  regarding account LAST 4 # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.

I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts 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 2024-09-11 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: SC

Complaint narrative:
I have made multiple attempts to have my personal information corrected on my credit report with both XXXX and Experian, but unfortunately, these attempts have been unsuccessful. Despite my efforts, the incorrect information has been repeatedly marked as " verified '' without any explanation or proof provided by either reporting agency. 

I have requested the removal of incorrect addresses and alleged employers from my report, but as of 41 days later, these inaccuracies remain, with no justification from either XXXX or Experian. Additionally, Experian continues to display incorrect variations of my name, despite clear instructions to correct this. 

Enclosed are copies of the letters I previously sent, along with proof that both XXXX and Experian received these letters. Despite this, the false and unverifiable information continues to appear on my credit report. 

I kindly ask for immediate action to rectify these issues and provide a clear explanation of the " verification '' process used to confirm these inaccuracies.

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 2024-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Village Capital & Investment LLC
State: MD

Complaint narrative:
on XX/XX/2024, a payoff request was submitted to my current mortgage company Village Capital by my new lender from XXXX XXXX. upon submitting request, we were informed that a confirmation of some sort was going to be sent out to verify that the request was received. However, that was not the case. on XX/XX/2024 since there was no receipt of acknowledgement I went and called the mortgage company customer service to see if someone could get me some type of re assurance that the request was being received and worked on. But the operators were very unhelpful stating " that they could not get me in contact to anyone that is working in payoff because that is what the protocol is. '' and that they could not see my request. being told this I submitted a new request and was told I would receive a confirmation email shortly. on XX/XX/2024 seeing as I has STILL NOT received any type of confirmation on my request, I called customer service back on and asked to have my request checked on again by someone working in the payoff department. Once again, I was told I could not due to protocol. I requested for my issue to be escalated because it is extremely unprofessional to not help a customer due to a supposed " protocol. '' On XX/XX/2024 I was contacted by Village Capital and was told that due to me putting in a second request, my payoff was going to be delayed even after I expressed that the only reason I put in a second one was due to their lack of communication and customer service. And that nothing would be done to assist me in any way and that I would just have to wait. so now my closing is pushed back significantly, and I will be forced to pay down another mortgage payment with a company I shouldn't be paying which will result in financial hardships on my part all because they refused to assist a customer and do their due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
One main financial keeps conducting deceptive business practices and finding ways to charge for things that they aren't entitled to charge. They then tell you to get a refund, they require 6 months of your banking history, in order to approve the refund. Their internal policy doesn't trump consumer law and it shouldn't be specifically designed to oppose it either, or benefit only the party that made the contract. Furthermore, they are predatory as I have never missed a single payment and they suddenly decided my insurance wasn't compliant. They told me verbatim " I dont know what policy you need but I know the deductible has to be {$1000.00} ''. I did exactly that AND sent the proof via their own email generated confirmation system no word for XXXX mo the and then I get a letter saying the used my personal and private information to sign me up for a second, external insurance policy. I call to ask why, since I did exactly as directed and it's the same insurance I've had for the entire XXXX yrs of the loan, they told me their is an eternal XXXX from when they took a months payment prior to the month ever occurring ( and charged a late fee for a month that hadn't come to pass yet too ) and the account was locked. They told me I had to call the complaint department and REMOVE MY complaint, so they can update the insurance. Which they said they can't tell me because it's locked so I can't even know how to comply. Then the XXXX calls and admits they did nothing about the prior compliant and there is NO COMPLAINT or XXXX lock on my account, yes the deductible needs to be {$1000.00} but I am free to file complaints woth the CFPB or FTC, if I'd like becauss they want me to call thr insurance company THEY signed me up for, without legal cause, or permission, and after I'd drop my previous complaint that keeps teetering between existing or not existing, depending on how it benefits THEM. Again, I apy all my payments on time and in full and they have been rampantly abusing me for no reasons and conducting illegal actions to pilfer more money they aren't legally entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Failed Account Investigation Violations of 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1666b, and TILA ( Truth in Lending Act ) Dear CFPB Representatives, I hope this letter finds you well. I am writing to **file a formal complaint** regarding the investigation of an account that has been incorrectly reported on my credit report. Below is the information needed to identify the account : - Creditor Name : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX - Date of Late Payment : XXXX I received a notification stating that the account in question had been " verified. '' However, this response did not adequately address the concerns raised in my original request and failed to comply with the legal requirements. 

I am submitting this complaint because I believe the investigation was insufficient and constitutes a violation of the following legal provisions : 1. **15 U.S.C. 1681s-2** : This law requires information providers to correct or remove inaccurate or incomplete information when notified of a valid dispute. In this case, the information remains incorrect, which constitutes a violation.

2. **15 U.S.C. 1681i** : Refers to the requirement that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. The investigation performed does not seem to meet this standard.

3. **15 U.S.C. 1637 ( b ) ** : Under the **Truth in Lending Act ( TILA ) **, credit card issuers and creditors are required to provide clear and accurate statements to consumers. I have not received any documentation that meets this requirement regarding the disputed charges.

4. **15 U.S.C. 1666b** : Requires the creditor to provide an account statement reflecting any disputed charges within a reasonable time frame. To date, this has not occurred.

5. **Truth in Lending Act ( TILA ) ** : Under TILA, creditors are required to provide clear and understandable terms and conditions, including details about charges on accounts. The creditor has failed to meet this requirement, hindering my ability to understand the terms of the account and the associated charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The deck collection agency resurgent is asking me to verify my identity theft report and to give them proof of my identity theft report. So they can further investigate this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-09-11 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: William D. Meeker Enterprises, Inc.
State: LA

Complaint narrative:
I have multiple inquiries that I did not authorize, I called the company and the credit bureaus and had no resolution. The companies are XXXX XXXX CIC Credit, XXXX XXXX CIC CreditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIC MTGXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: CORELOGIC INC
State: LA

Complaint narrative:
I have multiple inquiries that I did not authorize, I called the company and the credit bureaus and had no resolution. The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: SC

Complaint narrative:
I have made several requests to have the negative accounts on my report to be reviewed. XXXX, XXXX, and Transunion is reporting a charged off account thats inaccurate, incomplete, and unverifiable, which is hurting my financial credibility. 1681 ( b ) says I have the right to dispute any inaccurate information on my report. XXXX XXXX  is unverified, incomplete, and inaccurate. I have never been associated with the address this credit card account was created under. The payment history, address, balance, and activity are all inaccurate for this XXXX Account beginning with 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 2024-09-11 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: SC

Complaint narrative:
I have made several requests to have the negative accounts on my report to be reviewed. XXXX, Equifax, and XXXX is reporting a charged off account thats inaccurate, incomplete, and unverifiable, which is hurting my financial credibility. 1681 ( b ) says I have the right to dispute any inaccurate information on my report. XXXX XXXX  is unverified, incomplete, and inaccurate. I have never been associated with the address this credit card account was created under. The payment history, address, balance, and activity are all inaccurate for this XXXX Account beginning with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This account need to be fully closed out and dispute as unauthorized I never open it Account ending in XXXX. And please stop generate new accounts and new accounts numbers I am not requesting by law and please remove the accounts off all XXXX of my credit bureau reports etc. My ssn is XXXX etc

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 2024-09-11 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: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a fraudulent account on my credit report, which I reported to XXXX XXXX XXXX, yet XXXX XXXX XXXX  is not removing this fraudulent account. XXXX XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : XXXX XXXX XXXX XXXXXXXX.

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