vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Urgent : Request for Immediate Correction of Inaccurate Account Information ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion, I am writing to formally notify you that you are in violation of the Fair Credit Reporting Act ( FCRA ) for failing to conduct a proper investigation into my dispute and continuing to report inaccurate information on my credit report. Attached is a copy of the legal notice sent to XXXX XXXX regarding this matter. 

If TransUnion does not remove the inaccurate account information from my credit report based on the evidence I have provided, I will proceed with filing a lawsuit against TransUnion for non-compliance with the FCRA. Specifically, you are reporting inaccurate late payments, an inaccurate loan balance, and an inaccurate loan term. Additionally, I have provided correspondence from XXXX XXXX stating that the reported loan term of 40 years is incorrect and should be 30 years instead. You are in violation of the following sections of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information. 
15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
Please address this issue promptly to avoid further legal action. I have also attached a copy of the XXXX report showing proof that this account is not in compliance with XXXX standards 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 2024-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MI

Complaint narrative:
I made two payments earlier this year to start paying off my student loans through EdFinancial. First, I made a {$2000.00} payment on XX/XX/year> ( Taken out of my bank account on XX/XX/year> ). Second, I made a {$1000.00} payment on XX/XX/year> ( Taken out of my bank account on XX/XX/year> ). Both payments seemed to go through fine but when I went to make another payment about a month later I realized these payments had not shown up in the payment history. I contacted EdFinancial and they told me that since the loan was recently taken out it can take up to 90 days for payment to show up correctly. So I waited the 90 days and nothing has shown up. I started to research if this had happened to anyone else and found that I lot of people had similar issues and the only way they got their payment to show up was by sending in a complaint through here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I have tried reaching out to these companies and they will not abide by the law. Please help me get these fraudulent accounts removed. I can not obtain a place to live due to these accounts hurting my credit. Being a fraud victim is a horrific experience. Thank you so much for your assistance in this matter. 

These fraudulent accounts are the last ones still showing on all 3 credit bureaus. Transunion, XXXX, and XXXX XXXX XXXX XXXX {$910.00} opened XX/XX/XXXX XXXX XXXX {$2100.00} opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} opened XX/XX/XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
IN 2020 I had force placed insurance placed on my escrow account and it has snowballed and caused my payment to go up. 
I had insurance and my condo building had insurance. I would like to have this money refunded to me and I will provide these documents and I want my mortgage payment recalculated

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 2024-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I am filing this complaint against my mortgage company for failing to comply with the provisions outlined in Section 6 of the Real Estate Settlement Procedures Act ( RESPA ), specifically in its implementation of 12 CFR 1024.41. This regulation mandates that mortgage servicers provide clear and complete information regarding all available options to borrowers seeking forbearance or other loss mitigation solutions. 

Despite my efforts to work with the mortgage company, they did not fully explain my forbearance options, nor did they properly follow the loss mitigation process. The company misled me in their application of loss mitigation practices, failing to apply the required waterfall method that should have been used to determine the best loss mitigation options based on my financial situation. 

Due to the mortgage company 's failure to clearly explain these options and their neglect in applying the appropriate loss mitigation methods, I was forced to liquidate over {$47000.00} from my retirement funds in order to bring my account current and avoid foreclosure. This was a significant financial hardship that could have been avoided if the mortgage company had adhered to the requirements of 12 CFR 1024.41 and properly informed me of my options.

I believe the mortgage company took advantage of my situation by not providing adequate guidance or information, which has resulted in significant financial loss. I am seeking redress for the financial damages caused by their failure to comply with the law and to properly implement the forbearance and loss mitigation processes.

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 2024-09-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy. Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 
XXXX XXXX XXXXXXXX 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 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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  Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-09-27 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following account : 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 non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: GFS II, LLC
State: MI

Complaint narrative:
I had an account with Gateway Financial Solutions XXXX that was opened on XX/XX/2018. I had multiple mechanical issues with the vehicle but the dealer refused to take the car back. I was unable to keep up with the repairs and the payments and eventually defaulted on the loan. My taxes have been garnished twice and I have no idea what the actual amount that is still owed. When the vehicle was repossessed I didn't even receive a deficiency and surplus notice to tell me how much the vehicle sold for. I don't believe that I owe a balance of {$7600.00} for this account. I didn't receive any legal notices until I found out I was being garnished which leads me to believe that I wasn't properly served when Gateway Financial Solutions first initiated this action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX called me claiming to be my bank saying they noticed suspicious activities and wanted to verify if the charges were legit. I verified the charges were fraudulent and then also told me someone recently added a new phone number linked to my account. I verified that no new numbers are authorized so he said my online banking was comprised. He said he canceled my debit card and was going to expedite a new one to my house and that he needed my DOB for security purposes to reset my online banking. I told him I was not comfortable with that and he instructed me to hang up and call the number on the back of my card. When I called my bank, they let me know nothing was suspicious with my account and the XXXX fraudulent charges the original caller listed were not there and that my card was still active. I logged on to my online banking and everything was just fine. My bank informed me that it sounded like phishing. I gave them the number that called me and they put it in my file. At this point it seems everything is as it should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DE

Complaint narrative:
I was contacted by XXXX XXXX XXXX in XXXX XXXX XXXX stating that they were collecting on behalf of Jefferson Capital Systems for debt acquired from XXXX XXXX in the amount of {$2200.00}. That was the first time that I was made aware of this debt. I responded with a request for debt validation, and then began disputes against the debt held by Jefferson Capital Systems through the 3 different credit bureaus ( XXXX, XXXX and XXXX ). I also placed a freeze on my credit files and issued a fraud alert. XXXX XXXX XXXX ended up sending a validation letter in XXXX XXXX XXXX including documents to support the alleged debt. These documents do not include any full account numbers or unique identifying information for me aside from name and address. This debt is not owed by myself as I did not request any funds in any way from the original creditor ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-09-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
I am writing to dispute an unauthorized inquiry that appears on my Equifax credit report. 

Below are the details of the inquiry in question : Report Number : XXXX Creditor Name : XXXX Type of Business : All Banks Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX I do not recognize or recall authorizing this inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter with the entity that made the inquiry and remove the unauthorized inquiry from my report if it can not be verified as authorized. 

I am attaching a copy of my credit report, where I have highlighted the disputed inquiry, along with a copy of my identification to verify my identity. Thank you for your prompt attention to this matter, and I look forward to a resolution within the 30-day time frame mandated by law. Please feel free to contact me if any further information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
I just recently looked at a copy of my credit report and noticed several inaccuracies on my accounts. this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate. 
Account Name : 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 non-monetary relief
Consumer complaint received 2024-09-27 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:
I just recently looked at a copy of my credit report and noticed several inaccuracies on my accounts. this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate. 
Account Name : 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 2024-09-27 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV FUNDING LLC XX/XX/scrub>XXXX XXXX  {$1400.00} I have never opened an account with this company. I have disputed numerous of time and they wont remove it. I wont being paying this due to not being the owner of this account and it being a fraudulently open by this credit company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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