vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address 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 2023-09-27 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: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-09-27 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
This debt collection agency has engaged in practices that are explicitly prohibited by the FDCPA, which include abusive, deceptive, and unfair actions. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to ABSOLUTE RESOLUTIONS, constituting another violation. It's important to note that my personal information was compromised in a data breach, information that your company, along with the credit bureaus, would have been aware of had an investigation been conducted. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed within 15 days, I will have no choice but to involve my legal attorney to address this matter through small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: SC

Complaint narrative:
The items on my credit report was removed then added back and the investigation took more than 30 days. The items were removed from my credit report and I have documentation attached to prove 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 non-monetary relief
Consumer complaint received 2023-09-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The items on my credit report was removed then added back and the investigation took more than 30 days. The items were removed from my credit report and I have documentation attached to prove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
We closed on XX/XX/XXXX. Shortly after BSI Financial stated that we owed additional fees and charges to close out the loan. They are holding XXXX the closing of the loan until these additional fees are paid to them. They wont respond to any communication attempts by us the customers nor from the XXXX XXXX 's representative. 
XXXX XXXX XXXX representative said this is the 2nd time in 2 weeks that BSI Financial loan servicer has done this to their customers.

We have to pay the additional fees to see if they will finish their work on the loan. This is causing us extreme financial duress due to their unethical or incompetent actions in servicing our loan. 
This doesnt give any guarantee they wont keep holding us XXXX, nor close out our loan. 

We received multiple different PO quotes from BSI Financial, and each time the costs and fees keep changing, on top of the previous fees. 

If you Contact BSI Financial for Closing make sure that faxes or email, are sent from a law firm. I'm seeking legal council to sue BSI Financial right now. They wont respond to us nor the XXXX XXXX. 

When I call them, i never get through to a person, nor from the general sales rep can I get to anyone that can answer what they are doing with our closing and the reasons for the errors. They have no reasoning for the multiple increases in closing fees. They demanded additional money form the sale proceeds for the escrow that they drained for fees and charges, Also BSI Financial haven't paid the home owners insurance, which they said they paid out of escrow. 

They have a history of causing customers issues. I'm not sure how this company is still in business. 
https : XXXX XXXX can contact me for any closing related documents it may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law XXXX-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. Validate Account XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item

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 2023-09-27 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 sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
I received a letter in the mail for an incorrect address and the not very nice guy named XXXX decided to degrade me and be little me because i told him this debt that they are charging me for with an incorrect address is not my address where i lived he said i have debt with this company. I tried to tell him i have never lived at this address they sent me and he said yes i did i have the lease he decided to tell me when i can bee nice he will talk to me and hung up on me very rude disrespectful does not have customer service. Tried to call back multiple times to get a supervisor other then him wouldn't transfer me and kept hanging up on me when i would call don't try to charge me for debt that i never lived at this address you sent me on this paper

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Modoc Tribe Financial Services Authority
State: NC

Complaint narrative:
I talked to them a month or so ago and I wasn't told my loan was overdue by an email or text. Or any kind of communication. Until they called and said they sent it to collections. Without telling me before hand. And when I wanted to pay it online, they told me that since it's in collections, I have to pay it over the phone. I am not doing that. I want to pay online. And they refused. Also, they demanded I pay the whole thing at once. And threatened to call my job and garnish my wages. So I hung up on them. So everytime I see the phone number, I don't answer it.And they have called everyday since then.I have tried to reason with them and all they care about is the money. So I am not going to try at this point. I will pay what I can. And the harassment is so bad, I have hired a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: CA

Complaint narrative:
I have called Experian about three accounts that have been so called delinquent. I have notified them that this debt does not belong to me. I have never lived at the address on file for the accounts and on top of that I was a victim in the XXXX data breach which Experian is the company handling the credit restoration process. Only experian and XXXX has these accounts on reports. The accounts XXXX XXXX and XXXX XXXX  are closed and have been charged off meaning paid but they continue to show payment history which is a violation of title 15 of the United States Code. Furthermore I have asked multiple times for validation of the debt which I have never received but due to the fact that these companies pay Experian a servicing fee Experian is dedicated to the company creating a conflict of interest as Experian will make bias decisions in favor of the paying company. I have not received a valid contract with my signature on it but Experian has continued to say that they have validated the debt. I don't care about them validating the debt I want validation and they have not provided it in the 2 years I have asked. This is a violation of my private rights as I am not a US citizen. I am a private individual in control of a U.S. citizen. I understand that the principle on the account is a legal fiction created by the United States for my benefit and to operate in commerce. Experian continues to treat me as if I am the principle and I have sent in an affidavit of truth letting them know my true identity. They have neglected to honor the affidavit and continue to treat me as principle. Lastly I have never given Experian any consent to provide any company any of my private information but the presumed and implied authority they believe they have is interfering with my right to privacy and liberty. The only conclusion I have come up with is Experian has defamed my character, are advising companies not to extend credit to me based on my demographic and race. I have power of attorney over this entity and will exercise this power by filing a civil case against experian for not having a license in the state of California or have a bond on file for damages. They ( Experian ) does not have any jurisdiction to perform the acts that they are performing which is a violation of my private unalienable rights. I have attached the report that experian provides to the companies I apply for credit with. This here proves they are defaming my character and it is now public record and can not be rebutted.

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 2023-09-27 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: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
In XX/XX/XXXX, I requested forbearance due to XXXXXXXX XXXX impact on my family 's financial situation. I completed a quick online application and was approved for forbearance. I never received written documentation outlining the terms and conditions of the forbearance. 

In XX/XX/XXXX, I emailed XXXX to request the terms and conditions of the forbearance. The email indicated that I needed to call the provided number for any documentation requests ( Attached ). When I called, I was told verbally that there is no documentation outlining the terms and conditions. 

I have since learned that mortgage servicers are required by law to provide borrowers with written forbearance agreements. 

On XX/XX/XXXX, I emailed XXXX again requesting written documentation of the terms and conditions of my forbearance. The email again stated that I need to call to request the document. I then requested that the document be mailed to me. 

Because of my history with XXXX and receiving misinformation when speaking to them verbally ( misinformation about my forbearance which I have previously filed a complaint for ), I am here. 

To this date, I have not received written documentation outlining the terms and conditions of the forbearance.

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 2023-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: AL

Complaint narrative:
In XXXX of XXXX, I was in the process of purchasing a home only to find out that I had defaulted on my student loans. I had filed bankruptcy in XXXX, and my loans were placed into forebearance. During which time, my loan servicer XXXX was found to have used fraudulent practices and loans were being dismissed. So, when I called to check on my loans, there was no record of them existing. I assumed my loans were dismissed. This was several years ago. 

My student loans just came up again this year in XXXX so XXXX trying to rectify the situation. It was revealed to me that XXXX and XXXX were reporting my loans under an incorrect social security number. Therefore, I corrected that error by providing a copy of my social security card. Now, I feel like I am getting the runaround from XXXX. XXXX being told that I can not take advantage of the programs offered on the XXXX website because they are not my loan servicer and just a holder of my loan. However, The Department of Education told me that XXXX is the servicer of my loan. At this point, I want to come out of default status and do whatever I need to do to be in good standing. Unfortunately, I am not able to pay what is owed in full. I would like to take advantage of an income based repayment program that will bring me back into repayment status.

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 2023-09-27 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: KY

Complaint narrative:
I sent certified letter requesting under 15 usc 1681c-2 block of information from identity theft. that the accounts they are reporting on my consumer report are not mine and result of identity theft. inresponse they sent back letter stated they were verified and where mine, if so required by FCRA they are by law to verify that its mine they are to have a verified contract with my wet signature on file that proves its in fact that they are my accounts and to show me by law how and what procedure was used who in their company verifed these, where is the verifed documents and if they can not provide such proof it must be deleted. 

please see attached documents required by law by me the comsumer to have these accounts deleted from my credit report Accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief