vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: IL

Complaint narrative:
Request for Removal of Personal Information Due to Domestic Abuse, Identity Theft, and Safety Concerns. 

Transition, XXXX, XXXX and other reporting agencies. 

I am writing to urgently request the removal of all addresses and phone numbers associated with my credit report due to the following reasons : XXXX XXXX : As a survivor XXXX XXXX XXXX, the presence of my personal information in your records significantly endangers my safety. The XXXX  may use this information to locate me, which places me at imminent risk of further harm. 

Identity Theft : I have been a victim of identity theft, and my personal data being accessible increases the chances of further fraudulent activities that could cause severe financial damage. 

Safety Concerns : The retention of my personal information by TransUnion, XXXX, and XXXX and other reporting agencies compromises my safety and privacy. Given the circumstances, it is imperative that my data be removed to prevent any further threats. 

I request that you take immediate action to remove all addresses and phone numbers from my credit report. Please confirm in writing once these details have been successfully removed. 

Thank you for your prompt attention to this critical matter. I appreciate your understanding and cooperation in ensuring my safety and well-being.

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 2024-06-30 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several inaccuracies on my credit report. As a consumer, I believe it is important to raise awareness about this matter and seek your assistance in resolving it. I have attempted to resolve this matter directly with the credit bureau : XXXX, Transunion, and XXXX but my efforts have been unsuccessful. It is my sincere belief that the practices or actions in question are in violation of consumer protection laws or regulations, and I kindly request your intervention and investigation into this matter. I have chosen to reach out to the Consumer Financial Protection Bureau because of your reputation for advocating on behalf of consumers and ensuring fair treatment in the financial marketplace. I trust that your expertise and authority will help address this issue appropriately and hold accountable those responsible for any wrongdoing. In order to assist you in your investigation, I would appreciate any guidance or advice you can provide me regarding next steps or any additional measures I can take to resolve this matter. Thank you for your attention to this important issue. I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection and look forward to a prompt resolution. Collection agency has not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( I ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006 34 ( D ) and 15 USC 1681-S2 ( 7 ) ( A ) Requesting the purchase agreement between collection agency and original creditor. 

Here are the items I am asking you to verify as accurate on each credit bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX ] Thank 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 2024-06-30 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several inaccuracies on my credit report. As a consumer, I believe it is important to raise awareness about this matter and seek your assistance in resolving it. I have attempted to resolve this matter directly with the credit bureau : XXXX, XXXX, and Equifax but my efforts have been unsuccessful. It is my sincere belief that the practices or actions in question are in violation of consumer protection laws or regulations, and I kindly request your intervention and investigation into this matter. I have chosen to reach out to the Consumer Financial Protection Bureau because of your reputation for advocating on behalf of consumers and ensuring fair treatment in the financial marketplace. I trust that your expertise and authority will help address this issue appropriately and hold accountable those responsible for any wrongdoing. In order to assist you in your investigation, I would appreciate any guidance or advice you can provide me regarding next steps or any additional measures I can take to resolve this matter. Thank you for your attention to this important issue. I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection and look forward to a prompt resolution. Collection agency has not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( I ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006 34 ( D ) and 15 USC 1681-S2 ( 7 ) ( A ) Requesting the purchase agreement between collection agency and original creditor. 

Here are the items I am asking you to verify as accurate on each credit bureau : XXXX : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Equifax : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ XXXX ] Thank XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reviewed my consumer report and noticed that I had one late payment on an account that I was Never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum Accuracy I have Never been late on payments for the Account : XXXX XXXX XXXXXXXX Please investigade and provide Proof with statements showing that these payments were late ; If Proof can't be provided, I demand this payment be updated to on Time as they should be as I was NEVER Late, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased a car from XXXX XXXX XXXX in XXXX New York for the sum of XXXX at signing I have XXXX XXXX XXXX XXXXXXXX dollars and the loan to pay off was XXXX it was financed with Credit Acceptance XXXX  with a 5 yr loan 72month agreement in total as a consumer I have paid XXXX in cash to this financial lender what is left out of XXXX is XXXX in total for a payoff at the end of the financial term ending the financial lender became aggressive with double fees and and damaging the credit rating of the consumer after Covid 19 pandemic then maliciously prevented me as consumer from trading the property to get a better interest rate by secretly conspiring with law enforcement agencies to apprehend the property from me even though as a consumer I payed half of the principal amount of the loan even though credit acceptance didnt take or have consumer option of liquid amount to be disclosed towards the principal or interest the lender took upon themselves to take the greater amount towards the interest instead of principal this is a ambiguous financial violation of consumer rights this lender is only maliciously tying to tarnish a consumer right and deprive of liberty due financial agreement its fraud no lender can deprive or sabatage base upon interest or debt owned if consumer has paid more then 50 percent of the loan the lender has never updated consumer credit report with accurate information since 2019

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 2024-06-30 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: NC

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's 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 non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a fashion to figure card from Comenity Bank. My payment was due on XX/XX/year>. I went to pay it on XX/XX/year>, but since it was XXXX XXXX their website said the payment would be considered late and I would be charged a late fee. I did not pay that day. I decided to wait until I could speak to someone about the late fee, since I've never paid late. 

Since XX/XX/year> Comenity Bank has called me in regards to the missed payment well over 25 times. They call approx. 12 times per day. They call from different numbers throughout the day ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX XXXX and even Unknown/ Unavailable numbers. Today is Sunday XX/XX/year> and they have already called me 3 times. This is ridiculous and at this point harassment for a bill that is not even 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove the account from my report. they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint Loan Services ( NewRez ) took over the servicing of my mortgage effective XX/XX/XXXX. I sent my XX/XX/XXXX payment through recurring Bill Pay to my old servicer and it was paid by my bank ( XXXX XXXX ) on XX/XX/XXXX. Shellpoint says it " sees '' that payment but can't get it applied to my account because they're having " trouble transferring payments to accounts '' from the old system. They want me to be " patient '' but I continue to receive notices in the mail that I am behind, now owing them more than {$6000.00} none of which is accurate. They also keep giving me different addresses to make payments to. I have set a XX/XX/XXXX Bill Pay from XXXX XXXX and am concerned it will not get applied properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I received a phone call from IC systems concerning a bill from ATT for XXXX I explained to the caller that this debt was a result of identity theft and I have had it removed twice before for such this collection keeps being sold to different collection agencies and every time, I have to start the dispute process over. the agent for IC systems was only concerned with collecting a debt which I do not owe. I have attached the original FTC theft 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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
incorrect information on 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 non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
During my move out from XXXX XXXX  in XXXX XXXX, we were using a XXXX truck parked outside to help us move out and were using a lift on the side of the building to carry items out. I had a friend helping me with my move. However a staff member came over to us and told us to take the truck into the garage and use a lift that goes into the garage because they didn't want this lift getting damaged from the items we were carrying. We agreed, and drove the truck into the garage. However we were not aware that the garage had a clearance limit and the truck was taller than the limit- and assuming the staff member knew what he was suggesting, we followed his directions. As soon as we realized the clearance limit, we attempted to drive back out however we lightly hit the sprinklers at the entrance and set them off. The fire alarms rang and the fire trucks came in to turn it off. They are right next door to this building so the matter was resolved within moments. No damage of any kind was reported to any other part of the structure at the time. 

A few weeks later, we received a move out bill from them stating that we had caused damage to the gate of about XXXX XXXX They held our security deposit of a XXXX $ and demanded we pay the remaining, deducting the basic cleaning fees as well. We stated that there was no such damage that we were made aware of at the time and that they had to provide evidence of it. They refused to provide any bills or evidence of the damage that they claimed and sold the debt to a collection agency threatening that they would report to credit bureaus if we didn't pay it. The collection agency is now harassing us and not helping with any kind of evidence or reports of damage either. We feel really stuck and find it unfair to pay an arbitrary amount named by XXXX ( XXXX XXXX  ). There were also inconsistencies in the amount of damage they claimed that we caused on their own reports to us and the collection agencies. ( Attached documents ). This proves that they are acting on bad faith and claiming an arbitrary amount of damage to exploit us. We are young immigrant students being taken complete advantage of in this unfair system favoring the landlords.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-30 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: IL

Complaint narrative:
Request for Removal of Personal Information Due to Domestic Abuse, Identity Theft, and Safety Concerns. 

Transition, XXXX, Equifax and other reporting agencies. 

I am writing to urgently request the removal of all addresses and phone numbers associated with my credit report due to the following reasons : XXXX XXXX  : As a survivor XXXX XXXX XXXX the presence of my personal information in your records significantly endangers my safety. The XXXX  may use this information to locate me, which places me at imminent risk of further harm. 

Identity Theft : I have been a victim of identity theft, and my personal data being accessible increases the chances of further fraudulent activities that could cause severe financial damage. 

Safety Concerns : The retention of my personal information by XXXX, XXXX, and Equifax and other reporting agencies compromises my safety and privacy. Given the circumstances, it is imperative that my data be removed to prevent any further threats. 

I request that you take immediate action to remove all addresses and phone numbers from my credit report. Please confirm in writing once these details have been successfully removed. 

Thank you for your prompt attention to this critical matter. I appreciate your understanding and cooperation in ensuring my safety and well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: IL

Complaint narrative:
Request for Removal of Personal Information Due to Domestic Abuse, Identity Theft, and Safety Concerns. 

Transition, Experian, XXXX and other reporting agencies. 

I am writing to urgently request the removal of all addresses and phone numbers associated with my credit report due to the following reasons : XXXX XXXX  : As a XXXX XXXX XXXX XXXX, the presence of my personal information in your records significantly endangers my safety. The XXXX  may use this information to locate me, which places me at imminent risk of further harm. 

Identity Theft : I have been a victim of identity theft, and my personal data being accessible increases the chances of further fraudulent activities that could cause severe financial damage. 

Safety Concerns : The retention of my personal information by XXXX, Experian, and XXXX and other reporting agencies compromises my safety and privacy. Given the circumstances, it is imperative that my data be removed to prevent any further threats. 

I request that you take immediate action to remove all addresses and phone numbers from my credit report. Please confirm in writing once these details have been successfully removed. 

Thank you for your prompt attention to this critical matter. I appreciate your understanding and cooperation in ensuring my safety and well-being.

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