vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: OH

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I attended a for XXXX XXXX that is now being considered a XXXX XXXX and loans are being dismissed under the XXXX XXXX XXXXXXXX class action lawsuit. Do to most of my loans being held by Navient these loans do not qualify to be dismissed because they are private loans. I graduated 15 years ago and I am still paying on my private loans with no end it site due to the outrages interest rates. My interest on my private loans are now higher then the original loan balance. I am also aware that Navient has contacted people with Navient serviced XXXXXXXX XXXX from these XXXX XXXX with an application to discharge their private loans. I have requested that I also be sent an application as my school is part of this list, however I have not received any communication regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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:
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 I am filing this complaint for falsely 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 2024-04-11 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Nationstar Mortgage LLC d/b/a Mr. Cooper sent me a letter saying they will increase my mortgage amount because of escrow shortage without the option to pay the escrow lump sum, which I wanted to do so I do not have to bear a mortgage increase. 

I called and called and the AI bot kept giving me the run around, finally I spoke with a lady who said I could make the payment on the website, which was not accurate as I could not ( no option to make the payment ) but I was already off the phone with her. 

When they want you to refinance so they can profit off the customer they call incessantly but when the customer is trying to get a situation resolved the AI bot is set up to 100 % hinder the customer from reaching a human to talk to! I called today and last week to no avail, the Ai bot kept saying " I do not understand your request, bye! ". 

There is no way to get past the AI to speak to a customer representative and when you do, the task is not resolved! They unilaterally do analyses and to reach them is almost an impossibility. I called today XX/XX/2024 over and over, only the AI bot. last week, same thing. 

This is the same company that had a cyber incident and makes it extra difficult to register for credit monitoring they claim to propose! Why can't they just register all their customers for credit monitoring?! They say you are eligible but to register is another complex runaround situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX has reported that this is in the court -court name XXXX XXXXXXXX XXXX  Docket number XXXX month filed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  month filed XX/XX/XXXX Credit Acceptance Corp XXXX XXXX Filed XX/XX/XXXX on XXXX XXXX I went into my bankruptcy lawyer office to have him do a data base search on the company to found out there is nothing in the court system under my name and even in there state there is nothing in court for me or in my state where I live there is nothing the only thing that is Docket number XXXX Court name XXXXXXXX XXXX XXXX  Month Filed XX/XX/XXXX balance XXXX so I need this to be investigated with law enforcement and the fraud department to find the docket number and which the company has listed and filed in court there not judgment or lien found in my court where I live from any of those companies

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXX out of XXXX 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. these are the accounts :

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting, inaccurate amount and dates are being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

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 XXXX out of XXXX 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. these are the accounts :

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 2024-04-11 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: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2024 at XXXX XXXX, I gave XXXX {$65000.00} ( XXXX XXXX XXXX Dollars ), XXXX XXXX {$5000.00} ( XXXX XXXX for transfers fee ) from my checking account from TD Bank to the manager of the branch at XXXX XXXX XXXX, FL, to be sent to my checking account in XXXX in the amount of XXXX {$300000.00} ( XXXX XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX  Reais- ( Brazilian Currency ) ), to buy a vacation home in XXXX. This transaction was an International Wire Transfer.

I spent a week in XXXX trying to get the money to close on the property. After spent around XXXX {$10000.00} ( XXXX XXXX Dollars ) on travel expenses to and from XXXX, I came back to the United States to find out what happened to the money that I could not find anywhere. 

Today, XX/XX/2024, I still do not have the money and TD Bank does not explain where the money is or let me talk to a higher level employee that can solve the situation. They only sent a letter telling me that their investigation is closed and there is no error from their part. I still do not know where the money is and I am with the financial loss of XXXX {$65000.00} plus all the expenses I had because of this unacceptable way to deal with the client 's life savings. 

This XXXX came from my XXXX XXXX  and I paid IRS all the tax they told me to, for this earlier withdraw. I lost the property closing in XXXX and TD Bank just will not accept they did something wrong and are excluding themselves from any responsibility. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Company did not provide the contract that was sign saying that this dept is owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
**Complaint Regarding Unauthorized Credit Card and Erroneous Reporting** To Whom It May Concern, I am writing to formally dispute the existence of an alleged credit card account under my name with XXXX Credit Card, which I was first made aware of in XX/XX/2018. According to the records unjustly associated with my name, this account has been marked as delinquent, an error that has unjustifiably tarnished my credit report.

**Details of the Dispute : ** 1. **Allegation of Existing Account** : In XX/XX/2018, it was brought to my attention that there was a credit card account opened under my name with XXXX. I unequivocally assert that I have never authorized the opening of this account, nor have I engaged in any contractual agreements with XXXX for such a financial product. 

2. **Request for Proof Ignored** : Upon discovering this discrepancy, I immediately contacted XXXX requesting proof of the credit card agreement and any signatures or evidence supporting my alleged consent or involvement. To date, XXXX has failed to provide any such documentation, thereby not substantiating the existence of this purported account. 

3. **Erroneous Credit Reporting** : Furthermore, this non-consensual account has been reported as " late '' on my credit report as of XX/XX/2018XXXX XXXX XXXX his incorrect reporting has adversely affected my credit score and has had significant negative implications on my financial standing and reputation.

**Actions Taken : ** - I have repeatedly contacted XXXX XXXX  customer service to rectify this situation, requesting the necessary proof of the alleged account and its associated transactions.

- I have also demanded the immediate removal of this account from my credit report due to the lack of evidence supporting any authorized engagement on my part. 

**Resolution Sought : ** - I urgently request a formal investigation into this matter, with the expectation that XXXX will provide all relevant documentation evidencing the alleged consent on my part for this account.

- I insist on a complete removal of this account from my credit history, including any negative remarks related to supposed late payments.

- I seek confirmation in writing from XXXX acknowledging the closure of this matter and the correction of all erroneous information transmitted to credit reporting agencies.

I trust that you will address this serious issue with the urgency and diligence it warrants. Please contact me at your earliest convenience to confirm the receipt of this complaint and to update me on the progress of your investigation.

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 2024-04-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
**Complaint Regarding Unauthorized Credit Card and Erroneous Reporting** To Whom It May Concern, I am writing to formally dispute the existence of an alleged credit card account under my name with XXXX Credit Card, which I was first made aware of in XX/XX/2018. According to the records unjustly associated with my name, this account has been marked as delinquent, an error that has unjustifiably tarnished my credit report.

**Details of the Dispute : ** 1. **Allegation of Existing Account** : In XX/XX/2018, it was brought to my attention that there was a credit card account opened under my name with XXXX. I unequivocally assert that I have never authorized the opening of this account, nor have I engaged in any contractual agreements with XXXX for such a financial product. 

2. **Request for Proof Ignored** : Upon discovering this discrepancy, I immediately contacted XXXX requesting proof of the credit card agreement and any signatures or evidence supporting my alleged consent or involvement. To date, XXXX has failed to provide any such documentation, thereby not substantiating the existence of this purported account. 

3. **Erroneous Credit Reporting** : Furthermore, this non-consensual account has been reported as " late '' on my credit report as of XX/XX/201XXXX XXXX XXXX his incorrect reporting has adversely affected my credit score and has had significant negative implications on my financial standing and reputation. 

**Actions Taken : ** - I have repeatedly contacted XXXXXXXX XXXX customer service to rectify this situation, requesting the necessary proof of the alleged account and its associated transactions.

- I have also demanded the immediate removal of this account from my credit report due to the lack of evidence supporting any authorized engagement on my part.

**Resolution Sought : ** - I urgently request a formal investigation into this matter, with the expectation that XXXX will provide all relevant documentation evidencing the alleged consent on my part for this account. 
- I insist on a complete removal of this account from my credit history, including any negative remarks related to supposed late payments. 
- I seek confirmation in writing from XXXX acknowledging the closure of this matter and the correction of all erroneous information transmitted to credit reporting agencies. 

I trust that you will address this serious issue with the urgency and diligence it warrants. Please contact me at your earliest convenience to confirm the receipt of this complaint and to update me on the progress of your investigation.

Company response to consumer: Closed with explanation