vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: IN

Complaint narrative:
Subject : Follow-up letter-Rmoval of Disputed Account From Credit Report. 
Dear Equifax Credit Bureau, I am writing to follow up on my previous correspondence dated XX/XX/2023 of my initial dispute regarding the removal of disputed accounts listed on my credit report. It has been way over the time frame specified by the FCRA for the resolution of such disputes. In my initial dispute letter, I provided detailed information and supporting documentation to demonstrate that the accounts I disputed is inaccurate and should be removed from my credit file. This is the fourth reinvestigation Equifax has did and did not produce any documentation or any signed contracts bearing my signature on it, no documentation of the validity or verification process I requested, which is a violation under the FCRA law. Shall be removed. I did not give my consent or authorization for XXXX XXXX or XXXX XXXX XXXX to run my credit report. I have no business dealings or a relationship with XXXX XXXX XXXX. I did not sign a contract with them. I understand that the FCRA mandates a 30-day investigation. It can take an extra 30-days if the consumer gives the Credit Bureaus additional information which I did not do for the resolution of disputes, during which the Credit Bureaus is required to contact the creditors and verify the accuracy of the reported information. It is now over the time frame since I last filed the dispute, and I have not received any response or communication regarding the fourth reinvestigation. As a consumer, I value the accuracy and integrity of my credit report as it directly affects my financial well-being. The extended time has elapsed since my last initial dispute. I kindly request the removal of disputed accounts promptly under the FCRA Laws. If necessary, I am prepared to exercise my rights under the FCRA, including escalating this matter to the regulatory authorities and seeking legal remedies to assure the removal of inaccurate information on my credit report. I urge Equifax to treat this matter with such urgency and promptly address the dispute in accordance with the FCRA guidelines. I expect a timely response within 15 business days of receiving this letter. Thank you for your attention in this matter. I look forward to your prompt and resolution in this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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:
I have sent out numerous letters and requests to Transunion the most recent was XX/XX/2024. However the credit bureau said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to. 

How did they complete the 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 2024-02-15 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: SLM CORPORATION
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Sallie Mae has violated my rights under 15 USC 1681 section 602, which states that I have a right to privacy. It also states that a consumer reporting agency can not furnish an account without my 'written instructions ' under 15 USCS 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NJ

Complaint narrative:
I am a victim of identity theft. My personal information was used without my knowledge or consent to obtain credit and personal loans, including an installment loan opened with XXXX XXXX XXXX . I learned that an account was opened in my name without my knowledge or consent in XX/XX/2023 when I received a credit alert that a charged off account was reported on my Transunion credit report. I filed a police report with the XXXX and a FTC Identity Theft report. I also contacted XXXX XXXX to dispute the account as fraudulent, but was unsuccessful. I have also attempted to submit a dispute with Transunion. I requested that this information be removed and blocked from my credit report because it was a fraudulent account. I also provided a copy of the identity theft report. However, the charged off fraudulent account has not been removed.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX I have been in the process of trying to get a mortgage since XX/XX/2023. In XXXX we found out there were disputes on my credit report. I filed the initial dispute with XXXX. In XXXX I called all XXXX bureaus to remove the disputes. The disputes were not showing for XXXX or Equifax. Once my credit was pulled again after making those calls, XXXX had the disputes removed and now they were showing for Equifax and XXXX. So over the next few months I have been calling the bureaus and trying to get this removed, wait the 72 hours and get my credit pulled again. The main bureau who has given me trouble with this issue is Equifax. I have now called 5 times to get this removed and it is still showing. I just got off the phone with a supervisor today and hopefully this is done. The 3 most recent phone calls are XXXX XX/XX/XXXX, XXXX and the XXXX. I am sorry for any innocence this is causing but me and my wife are desperately searching for a house because we have outgrown our current living space. This process has dragged on too long and I am disappointed I have to call Equifax so many times just to remove a remark that I never started with them in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I am writing in regard to a recent purchase experience that occurred on XX/XX/2023 : I went to the XXXX XXXX and purchased a pet with a salesperson named XXXX for {$4500.00} at the time of purchase I was advised that I would have 48 hours to make a return no questions asked and at no charge to me if it didnt work out due to my schedule as I was hesitant to make the purchase with my long work hours. I came back to the store less then 48 hours on XX/XX/XXXX and reluctantly returned the pet to the store and at that time I was given a release letter and in this letter it stated that the return amount was {$330000.00} as a store credit I wont be using the store credit. 

I called the XXXX  comenity bank and I explained them the situation the store charged me {$4500.00} and the store credit is {$33000.00} which is a discrepancy of {$1100.00} according to comenity bank, they want me to make payments for something that was returned to the store I believe comenity bank needs to dispute directly with XXXX  store not with me, because I have proof that the dog was return to the store. 

I feel very disappointed that they are not working with me I called several times and nothing has been done I dont want to be reported it to the credit company for not making payments. 

I would like to dispute this charge and hopefully the situation can be resolve

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I entered a credit consumer transaction on XX/XX/XXXX with XXXX XXXX XXXX XXXX ACCT ENDING IN : XXXX and XXXX XXXX XXXX XXXX ACC ENDING IN :XXXX. My accounts has been closed since XXXX of XXXX due to me losing my job. I received a letter from TRANSWORLD SYSTEM INC. on XX/XX/XXXX stating that I have to pay a total of {$2400.00} for both accounts. {$1800.00} for the XXXX XXXX XXXX XXXX and {$550.00} for the XXXX XXXX XXXX XXXX. I called XXXX XXXX XX/XX/XXXX to understand why I am unable to make a payment and I was told by XXXX XXXX that my closed accounts has been ( Transferred, Outsourced and SOLD ) to TRANSWORLD SYSTEMS INC with out my authorization. 
( 15 USC 1681c-1 ) ( 15 USC 1681p ) ( 15 USC 1681q-3 ) defines fraud & Identity Theft. Transworld Inc has been contacting me on behalf of XXXX XXXX when originally I did not sign an contract with this company. I've asked XXXX XXXX to remove this from my credit report due to my accounts being closed and sold to TRANSWORLD SYSTEMS INC a 3rd party credit company due to it effecting my way of life and I was told that XXXX XXXX is not authorized to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been going back and forth with Midland Credit Management for at least XXXX years now regarding some accounts they added to my XXXX, XXXX, and XXXX credit reports that absolutely does not belong to me. Every time i ask them to investigate and update their files by removing these accounts that are not mine, they always send a generic letter stating the accounts were verified. I've sent several certified letters to Midland Credit Management as well as XXXX, XXXX, and XXXX asking for proof or validation of these accounts and each time they just ignore me or resend the same generic letters that says " verified ''. This is how I know they are not doing their due diligence and taking out the time to perform a real investigation. I've even reached out to XXXX, XXXX, and XXXX and pointed out all the discrepancies on my credit reports such as different dates of last activity, different dates the accounts were opened, different spellings of my name, different amounts owed, all from the same accounts but the 3 credit bureaus all have different information. Outside of the fact that these are not my accounts, all these unfactual discrepancies alone should've had these accounts removed from my credit file. As a consumer I have rights and I feel like those rights have been violated by Midland Credit Management as well as XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received notification from Experian my credit score decreased XXXX points due to delinquency. However there are no delinquencies on my credit report. I have written a demand letter to experian. I have discussed the information with the dispute customer services multiple times since XXXX and although they agree that there are no delinquencies they said they can not add back the points that were removed.

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 2024-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
In regards to newrez/ShellPoint Mortgage -We applied for PMI cancelation XX/XX/XXXX. Our monthly PMI is {$210.00} which seems astronomical. We submitted a list of improvements and paid {$190.00} for an appraisal. 
XXXXWe finally received written confirmation from the company, NewRez, that PMI would be cancelled XX/XX/XXXX. 
-I reached out in XXXX and was told PMI would be removed and our mortgage payment adjusted XX/XX/XXXX. This did not occur. 
-I reached back out XX/XX/XXXX and was told the payment would be adjusted for XXXX and I should check back XX/XX/XXXX to confirm. 
-I reached out XX/XX/XXXX and was told the PMI removal request is still under process. I was told, " As checked the PMI task cancelled as your loan is less than 2 years old. you must submit a list of improvements. These are not our guidelines, these are XXXX XXXX. Loans that are less than 2 years old must have had substantial improvements to the property. Meaning updated bathroom, kitchen etc. '' -As previously noted I had already done this and was approved for PMI cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NJ

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-02-15 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:
In the course of reviewing my credit report, I spotted an erroneous and unverified account that needs reporting and correction through your company.

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 2024-02-15 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedes-Benz of XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. I am NOT terminating or canceling this contract ; I am deducting my payment obligation on behalf of the debtor, as I have found several violations and frauds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates
State: IL

Complaint narrative:
Subject : Complaint Against Unauthorized Debt Collector and Violation of Consumer Rights To Whom It May Concern, I, XXXX XXXX, hereafter referred to as " Consumer '', am writing to file a formal complaint against XXXX XXXX XXXX also known as Lewis , McDonnell & Associates or McDonnell & Associates, hereafter referred to as " Collector '' a alleged debt collection agency that has been engaging in unauthorized debt collection activities and furnishing data to credit reporting agencies without proper authorization. This agency is not registered with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) to collect debts within the state of Illinois. 

As the Consumer, I have been adversely affected by the actions of the Collector. Despite their lack of registration with the XXXX, they have persisted in their attempts to collect debts from me, including the unauthorized furnishing of data to credit reporting agencies, which has had a detrimental impact on my consumer credit file. 

I demand immediate cessation of all debt collection attempts by the Collector, including but not limited to furnishing data to credit reporting agencies regarding my consumer credit file. Failure to comply with this demand will result in legal action being pursued to the full extent of the law. 

This complaint should be considered a formal notice of my intent to sue the Collector and the credit reporting agencies who continue to furnish inaccurate data for violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I urge your office to investigate this matter promptly and take appropriate enforcement actions against all parties involved. 

Please feel free to contact me if any further information is required regarding this complaint. I appreciate your attention to this matter and look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
The bill in question is from XXXX and it is over 21 yrs old. My now deceased ex husband opened the account in my name, without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, The reported balance is inaccurate. 
XXXX XXXX : Account number : XXXX, The reported balance is inaccurate. 
XXXX XXXX XXXX : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX XXXX : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX XXXX : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX ( Original XXXX XXXX BANK ) : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX  ( Original XXXX XXXX XXXX BANK XXXX XXXX XXXX ) : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX ( Original XXXX XXXX XXXXXXXX ) : Account number : XXXX, Please send me the source of these inaccurate 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 2024-02-15 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: NJ

Complaint narrative:
I am a victim of identity theft. My personal information was used without my knowledge or consent to obtain credit and personal loans, including an installment loan opened with XXXX XXXX XXXX . I learned that an account was opened in my name without my knowledge or consent in XX/XX/year> when I received a credit alert that a charged off account was reported on my Transunion credit report. I filed a police report with the XXXX and a FTC Identity Theft report. I also contacted XXXX XXXX to dispute the account as fraudulent, but was unsuccessful. I have also attempted to submit a dispute with Transunion. I requested that this information be removed and blocked from my credit report because it was a fraudulent account. I also provided a copy of the identity theft report. However, the charged off fraudulent account has not been removed.

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