vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: CA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-24 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: IN

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to address the recent fraudulent activities that have been linked to my account and to clear up any misunderstandings regarding my involvement. I understand that there have been perceived inconsistencies in my previous communications, and I want to provide a clear and comprehensive account of the situation. 

In XXXX, my grandmother passed away, and during that difficult time, my son 's phone, which was my old XXXX, went missing. We spent a lot of time at the hospital and at various relatives ' homes, and it was during this period that the phone was lost. My son recently admitted that he did not inform me about the missing phone because he was scared I would be upset. This crucial piece of information has just come to light, which is why I am finding new details as I try to investigate and resolve this matter. 

It is important to note that the phone was unlocked and had my card information stored on it. I believe that whoever found the phone accessed my information and used it fraudulently. I am in the middle of selling my current home and buying a new one, and I am fully aware of how critical it is to maintain a good credit score during this process. My credit score was XXXX before these fraudulent activities occurred, and now, due to these unauthorized inquiries and charges, my credit has been significantly affected. 

I am more than willing to cooperate fully with any investigation to prove my innocence. I have always been diligent about protecting my financial information, and I would never knowingly allow anyone to jeopardize my credit, especially during such an important time in my life. 

I kindly request that you reconsider the decision and allow me the opportunity to provide any additional information or evidence that may help clarify the situation. It is not fair for me to be held responsible for actions that I did not commit, especially when I am doing everything in my power to resolve the issue and clear my name. 

Thank you for your understanding and consideration. I look forward to your response and hope we can work together to resolve this matter promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I am writing to address the recent fraudulent activities that have been linked to my account and to clear up any misunderstandings regarding my involvement. I understand that there have been perceived inconsistencies in my previous communications, and I want to provide a clear and comprehensive account of the situation. 

In XXXX, my grandmother passed away, and during that difficult time, my son 's phone, which was my old XXXX, went missing. We spent a lot of time at the hospital and at various relatives ' homes, and it was during this period that the phone was lost. My son recently admitted that he did not inform me about the missing phone because he was scared I would be upset. This crucial piece of information has just come to light, which is why I am finding new details as I try to investigate and resolve this matter. 

It is important to note that the phone was unlocked and had my card information stored on it. I believe that whoever found the phone accessed my information and used it fraudulently. I am in the middle of selling my current home and buying a new one, and I am fully aware of how critical it is to maintain a good credit score during this process. My credit score was XXXX before these fraudulent activities occurred, and now, due to these unauthorized inquiries and charges, my credit has been significantly affected. 

I am more than willing to cooperate fully with any investigation to prove my innocence. I have always been diligent about protecting my financial information, and I would never knowingly allow anyone to jeopardize my credit, especially during such an important time in my life. 

I kindly request that you reconsider the decision and allow me the opportunity to provide any additional information or evidence that may help clarify the situation. It is not fair for me to be held responsible for actions that I did not commit, especially when I am doing everything in my power to resolve the issue and clear my name. 

Thank you for your understanding and consideration. I look forward to your response and hope we can work together to resolve this matter promptly. 

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 explanation
Consumer complaint received 2024-10-24 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 respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
THIS IS NOT MY DEBT. I HAVE STATED MANY TIMES. I HAVE NEVER LIVED IN THESE APARTMENTS. THERE WAS PROOF OF ME SIGNING A LEASE. SHOW ME WHERE I SIGNED. WHERE I AGREED TO LIVE HERE. THIS IS FRAUD. I AM REQUESTING TO HAVE THIS REMOVED AS THIS IS FRAUD. I WILL FILE A POLICE REPORT. THIS IS FRAUD. IT HAS ALREADY BEEN REMOVED FROM MY XXXX AND XXXX. REMOVE THIS FROM MY XXXX. THIS IS FRAUD. I HAVE NEVER LIVED HERE. MY MAIL RECORDS WILL SHOW THAT. PLEASE REMOVE THIS BEFORE LEGAL ACTION IS TAKEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have on multiple occasions reached out to this collector that is reporting negative information on my credit report stating I wanted this debt to be verified by providing me with the original contract with my wet signature that shows I owe this debt to them and that they are within 100 % of their rights to collect this debt from me or to report it on my credit report without my permission. I also requested they provide the method in which they used to verify this debt. I have never received any type of response let alone the information I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
RE : You violated the United States code law ( TILA ) 15 U.S .CODE 1666 ( b ) charge error ). Upon checking a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. ( 4 ) The creditor inability of truthfully depict an obligation payment or credit that was given to the debtor on a statement. ( 5 ) A computation error or other similar accounting error on a creditor 's statement. Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX  : ACCOUNT # XXXX... 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX  : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX  : ACCOUNT # 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 2024-10-24 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: TX

Complaint narrative:
RE : You violated the United States code law ( TILA ) 15 U.S .CODE 1666 ( b ) charge error ). Upon checking a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. ( 4 ) The creditor inability of truthfully depict an obligation payment or credit that was given to the debtor on a statement. ( 5 ) A computation error or other similar accounting error on a creditor 's statement. Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXXXXXX XXXX  : ACCOUNT # XXXX... 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX  : ACCOUNT # 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 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I have on multiple occasions reached out to this collector that is reporting negative information on my credit report stating I wanted this debt to be verified by providing me with the original contract with my wet signature that shows I owe this debt to them and that they are within 100 % of their rights to collect this debt from me or to report it on my credit report without my permission. I also requested they provide the method in which they used to verify this debt. I have never received any type of response let alone the information I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XXXX XXXX, an agent of Rocket Mortgage informed me that if I choose Rocket Mortgage, they offer interest rate reduction when the Federal Interest rate decrease. He never ever told me that I cant do it until after 6 months of having the loan. Once again, this is another Mortgage Co telling me misinformed information. And XXXX XXXX  told me that this is not refinancing under the VA streamline program if I request a lower interest rate reduction based on the VA program. So, later, I requested from Rocket Mortgage to lower my interest rate in the streamline interest rate reduction program now that the interest rate has decreased, and Rocket Mortgage told me that I have to refinance. This is misinformation. And the reason why Rocket Mortgage should have given me this crucial important information is because then I may have not refinanced with Rocket Mortgage or even used their Company. They misled me so that I would agree to refinance my mortgage with them, Rocket Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
I know I owe Harley Financial money for my XXXX bikes but they are literally calling me more than XXXX times a day. They try to change their numbers without caller ID but it's them. The numbers that are XXXX are from Harley Financial. I have screen shots of this..I know Harley has already been sued about this and it's disturbing they are using these tactics. I literally spoke to them about stopping calling this many times but the calls have multiplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TX

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 swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2024-10-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-10-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: BYS, LLC. d/b/a Boost Your Score
State: TX

Complaint narrative:
I canceled my boost Your Score on XX/XX/year> and was told by the XXXX of XXXX I should receive my refund.Yet nothing I called then was told by the end of last week..I 've been calling and they keep hanging up on me.They owe me {$350.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: MD

Complaint narrative:
I reviewed my credit report and noticed an account that was not reporting accurately I had 2 late payments on a account that was paid on time but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I also have attached a copy of myreport to this complaint as proof of my complaint on the following dates XXXX XXXX XXXX I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments if these records can not be verified I ask you kindly to update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-10-24 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: MD

Complaint narrative:
I reviewed my credit report and noticed an account that was not reporting accurately I had 2 late payments on a account that was paid on time but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I also have attached a copy of myreport to this complaint as proof of my complaint on the following dates XX/XX/scrub>XXXX XXXX XXXX I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments if these records can not be verified I ask you kindly to update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief