vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: OH

Complaint narrative:
I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

global lending services date opened XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$62.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

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 2024-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
according to 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, I never received anything in mail. They keep sending me emails saying theyre trying to get in contact with me to have this matter resolved. I keep informing them that I did not debt. I never applied for any rental and I asked them to send over A debt validation certified they never did so they keep emailing me and that is not a proper way to give me a validation. I also asked for a wet ink validation to see where I signed this lease agreement, I never authorize anyone to open anything in my name. Also had a father alert on my credit report and they still went ahead and ran my credit and now I have this collection on my current report thats causing harm from me trying to obtain any type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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 have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
An unauthorized credit inquiry was requested/posted yesterday XX/XX/year>. Please see below information of the requestor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: AE

Complaint narrative:
We used our credit card to make a purchase of 2 bottles of water from a storefront while in XXXX on XXXX at approximately XXXX local. The total purchase price should have been XXXX. We noticed when reviewing our billing statement that we had been charged XXXX ( {$450.00} ) for the transaction, and immediately started the dispute process with Citibank on XXXX. Citi provided a conditional credit of {$440.00}. 

Citibank asked us for additional statement/information on XXXX, which we returned on XXXX XXXX. They asked for a copy of the purchase receipt- which we did not have, as we were not provided one. We explained this to Citi, along with attempting to contact the merchant to either fix the problem or obtain a receipt. We have been unable to obtain a phone number for the business. 

Citi bank closed the dispute on XXXX XXXX, with a finding that the customer ( me ) was responsible for the charge, as we could not provide a purchase receipt. To our knowledge, the investigator did not make any attempt to actually contact the merchant or obtain any amplifying information about the purchase. 

I have asked Citi to re-open the investigation, as I am continuing to attempt to gain contact information for the vendor.

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 monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Goodleap charged 35.74 % of dealer fee that I did not know when I signed the contract. I called Goodleap to negotiate lower the dealer fee. Goodleap refused to negotiate it.

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

Complaint narrative:
On XX/XX/year>24 I sent XXXX, XXXX, and Transunion a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it.

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 2024-09-09 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: CO

Complaint narrative:
On XXXX/24 I sent Experian, XXXX, and XXXX a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it.

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 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Original mortgage ( XX/XX/year>2024 ) from XXXX XXXX Bank which was sold/transferred to be managed by Shellpoint Mortgage Servicing starting XXXX  XXXX, 2024. The potential issue is 1 XXXX XXXX XXXX Bank did not properly forward and document my payment to Shellpoint Mortgage during the transfer or 2 ) Shellpoint did not properly process the forwarded payment from XXXX XXXX. 

I made an initial payment to XXXX XXXX Bank of {$25000.00}. {$5600.00} towards XXXX mortgage payment and {$20000.00} towards the principal balance. This was cashed by XXXX XXXX on XX/XX/year>. 

XXXX XXXX transferred funds to Shellpoint Mortgage Servicing. Shellpoint Mortgage Servicing only processed my {$5600.00} payment but not my {$20000.00} towards my principal balance. As of XX/XX/year>2024 they still have not located my {$20000.00} payment which was transferred over from XXXX XXXX which is over 70 days or over 100 days from when my payment was cashed from XXXX XXXX. 

I have called Shellpoint several times and have a ticket with them outstanding and provided all the details to help locate my missing funds. 

Shellpoint has also recently sold my mortgage to chase bank as of XX/XX/year>2024 and since the funds have not been located it was not transferred over to my new servicer. 

This is impacting my ability to refinance at lower rates and impacting us negatively financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: FlexShopper, Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Emergent Business Group XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Account ( XXXX ) number XXXX, XXXX, XXXX To Whom It May Concern : This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I have attached the notice I received below. 
I am requesting validation and not simply verification of the alleged debt. Specifically, a copy of the Original Purchase Agreement, the agreement must be with the original creditor and signed by all parties involved, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry if being reported. I am disputing this debt ; you should not report it to the credit reporting agencies If you have already. 
Finally, please note that I do not wish to receive further telephone calls or letters or any form of communication, this includes contacting family members or place of employment concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : - Defamation - Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-09-09 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: CO

Complaint narrative:
On XX/XX/year>24 I sent XXXX, Experian, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report thats not mine. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.

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 2024-09-09 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-09 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: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Account XXXX : XXXX The business is reporting erroneous information to the major credit reporting repositories. From the attached, the business is reporting the following remark : " Affected by natural disaster ''. I have never reported to the business that I have been affected by a natural disaster. The only thing the business had to assist with was locating a missing check payment of {$2100.00} that was sent on XXXX XXXX, 2024. 

Therefore, upon receipt of this complaint, please remove this erroneous information from all major credit reporting repositories.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a notice of social security data breach, through XXXX, however I have been unable to get through to Transunion, either by website login, XXXX or XXXX numbers or their excuse of a " livechat. " Wait times are atrocious and do not leave an option for any call back.

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