vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: HI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: IL

Complaint narrative:
These late payments are not reflective of my regular payment behavior.

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 2024-09-13 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
On XX/XX/2024 we submitted a payment to Freedom Mortgage in the amount of {$2300.00} and it was deducted on XX/XX/2024. They deducted our payment twice on XX/XX/2024. As a result, we were charged a retry payment fee from our bank in the amount {$35.00}.

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 2024-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased a vehicle from a dealership with a loan from credit acceptance. The vehicle loan was for over XXXX. I could no longer afford the vehicle so I had informed them after making payments on the vehicle for about a year. They sold it at auction for {$1400.00}. and now I have an income execution for {$14000.00}. Why was this vehicle sold at such a high rate and only so little time the vehicle was well-maintained and in good shape they had waited almost 4 years to provide any kind of information as to why they had sold a vehicle so much money again I voluntarily surrendered the vehicle because I no longer could afford it. I was out of work now I have a judgment of {$14000.00} and theres no way that could be paid, I would like help with this situation Thank you

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 2024-09-13 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: NJ

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
I need all these account deleted please under these laws 15 u.s Code1681a ( 2Xi ) 15 u.s Code 1666b 12 cfr 1026.13 ( billing error resolution ) 15 u.s 1681s-1 15 u.s Code 1692g 15 u.s Code 1692c 15 u.s Code 1681e ( b ) 15 u.s Code 1681 ( a ) ( 2 ) 15 u.s Code 1635 15 u.s Code 1637 ( 2 ) 9A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC
State: TN

Complaint narrative:
THIS IS A CONTINUATION OF COMPLAINT NUMBER XXXX AS I was unable to upload information that was requested after I file my claim. I contacted XXXX again and talked to a XXXX and confirmed my account ; accoutnt number XXXX was sold to perfection collection with a phone number of XXXX she had no email or address information on file for this comapny

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: MO

Complaint narrative:
I have made multiple efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These erroneous entries have severely affected my well-being, causing considerable distress. It is important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.

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 2024-09-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have made multiple efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These erroneous entries have severely affected my well-being, causing considerable distress. It is important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello- Thank you! My loans have been discharged but I have been fighting with XXXX about removing XXXX late payments XXXX times in XXXX on my credit report. I was told this would be clear with the discharge. I was in between deferments and at the time I lost my job due to XXXX, I have been writing, emailing and calling since them for assistance. Please help XXXX. I was told these would be removed when my loans were discharged. 

XXXX was during covid and communication was limited - Navient did not have my correct information and has not listened to my issue since I have been addressing in since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX - and XXXX stated in previous response that they reached out multiple times but this was a trying time for everyone and I have been begging for these to be removed. 
XXXX individual loans / 120 days past due - I was told they would be removed with the discharge. 
Please help

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello- Thank you! My loans have been discharged but I have been fighting with XXXX about removing XXXX late payments XXXX times in XXXX on my credit report. I was told this would be clear with the discharge. I was in between deferments and at the time I lost my job due to XXXX, I have been writing, emailing and calling since them for assistance. Please help XXXX. I was told these would be removed when my loans were XXXX. 

XXXX was during covid and communication was limited - XXXX did not have my correct information and has not listened to my issue since I have been addressing in since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX - and XXXX stated in previous response that they reached out multiple times but this was a trying time for everyone and I have been begging for these to be removed. 
XXXX individual loans / 120 days past due - I was told they would be removed with the discharge. 
Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
We XXXX XXXX XXXX and XXXX XXXX XXXX both account holders are requesting documents from USAA Federal Savings Bank of their investigation of the the disputed ( see attached ) and fraudulent ATM/Debit Card charges/transactions on our checking account. 

As per the letter received USAA offered to provide us the documents and they are not complying with providing the documents or a resolution to our dispute. 

On the investigation they conducted they claim the they relied on to make us responsible for unauthorized charges on our checking account and after several attempts they are not providing the documents that we have right to receive. 

Claim # XXXX Claim date XX/XX/year> Claim # XXXX Claim date XX/XX/year> We have contacted the USAA Bank Federal Savings Bank requestiedUSAA to reopen the dispute because we are alledging that we did not made the unauthorized charges.

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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXXXXXX XXXX XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
XX/XX/XXXX - I called Jefferson Capital and requested what the debt was for and how much I owed, I was told they had no information that I had to call XXXX XXXX. 

XX/XX/XXXX - I called XXXX XXXX and was told they werent in charge as well and that its currently on a placement hold for another XXXX business days. They had no information on file, just saw my name on there account list. 

XX/XX/XXXX - I called Jefferson Capital again and was told for me to stop calling them that XXXX XXXX has all my information. 

XX/XX/XXXX - I called XXXX XXXX again to request a letter stating what I owed or any information about this account. I was told they had no information and that I have to wait XXXX business days to get any information. I requested authorization for the credit bureaus to speak with them and they said no. They clearly had no answer for me and had no information for me to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
Unauthorized accounts reporting on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For the second time in a month XXXX XXXX XXXX, in XXXX XXXX. Has used my address on loan applications for vehicles for other people, without my permission. I am a home owner and have owned my home for XXXX years. I have been receiving mail for these people with my address and their information requesting auto loans from this dealer. One of the incidents has presumably been resolved, as it was an error by the finance department for using my address on a flyer I received in the mail that I gave to a family member who was looking for a vehicle. Although this has presumably been resolved this should have never happened in the first place if they were to have checked paperwork properly considering this family member does not live at my address, get mail, receive bank statements nor paychecks to this address. All which I can assume were provided during the application process. The second individual who is using my address is absolutely no one I know, nor even the previous home owners. This home has never been used for a rental. I am very concerned that my personal address is being used by this dealership so carelessly and illegally I might add. When I spoke to the apparent finance manager XXXX he stated that he pulled the file for the named individual and that she provided a different address which he read allowed to me ( not sure if that violates any privacy laws for her ). But regardless that doesnt explain why I am getting credit applications for her with my address. I am absolutely not ok with this and concerned because it seems they are incredibly negligent with their paperwork.

Company response to consumer: Closed with explanation