vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is knowingly reporting my personal information wrongly even though Ive sent government documentation multiple time as proof showing their inadequate reporting. It is my understanding standing that a lawsuit was file against Experian and was order to pay fine of millions of dollars for intentionally refusing to remove inaccurate name & addresses others disputing also like myself for the sole purpose of financial gain.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$430.00}.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Requesting to permanently opt out from the lists that CoreLogic provides to businesses that send firm offers of credit or insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I did not sign any agreement that SANTANDER could furnish my personal information to any company. This is a clear violation of 15 USC 1681B ( 2 ) AND this is also Identity theft. The report of six late payments to my account XXXX is not verified and is a clear violation of 15 USC 1681A ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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 explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2015 Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a complaint regarding the inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXXXXXX Regrettably, I have not received any response from Experian regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address and rectify this issue. 

I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$200.00} Issue : This account does not belong to me, and I request that Experian removes it from my credit report. 
Account Not Mine Account Number : XXXX Company Name : XXXX  Date Opened : XX/XX/XXXX Past Due : {$0.00} Issue : This account does not belong to me, and I request that Experian removes it from my credit report. 
Account with Incorrect Late Payment Company Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Experian corrects this inaccurate information on my credit report. 
Account with Incorrect Late Payment Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Experian corrects this inaccurate information on my credit report. 
Account with Incorrect Late Payment Account Number : XXXX Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$410.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Experian corrects this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
THIS IS NOT MY ADDRESS THIS ADDRESS IS INCORRECT AND FRAUD XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
the collection company has been re-aging account and illegally reporting it to credit reporting companies. This debt is beyond the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: CA

Complaint narrative:
I have been a victim of XXXX XXXX for a long time Ive had my identity stolen from me twice I just had my identity stolen XXXX  car broken into XXXXXXXX XXXX in front of my moms house I been though a lot they placing things on my credit report thats not true I wont it removed having hardship really stressful trying to do all the right things get my self together and prove my identity they are very rude and nasty IQ DATA ASK THEM PLEASE REMOVE PROPERTY DEBIT OFF MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To who it may concern this account was made without my acknowledgement and was setup fraudulent by XXXX XXXX phone number ( XXXX ) XXXX address XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Experian credit file. 
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 2023-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XX/XX/2017 .amount {$620.00} collection. My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 
The report shows I owed money to an account that is not mine. 
The current status of my account is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over 7 years old. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : 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
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am reporting negligence in reporting and investigations of disputes for all 3 bureaus. 
I have written XXXX, Equifax, and XXXX on XX/XX/2XXXX XXXX XXXX XXXX in regards to verifying information that is being reported for public records and accounts included in this record. These accounts and public records have yet to be even placed in dispute status. 

Instead of receiving updates of disputing and reporting errors, I continuously received a mass amount of accusations of credit repair letters. This is unacceptable. This negligence is ground for deletions of these items. 

After XX/XX/2023, XXXX finally launched 1 investigation out of 3 times requested, and verified information as correct and verified. I do not agree with such results as XXXX is in lawsuits for not verifying accounts and accurately conducting investigations. No information was provided as far as method of verification and information on who verified this information to the credit bureaus. 

I demand that this inaccurate information be deleted from my credit report. I have been more than generous with reporting times and investigation periods. 

The screenshots of accounts below are inaccurately reporting inconsistencies across bureaus. Under Section 623 ( a ) of the FCRA, this act prohibits a person from furnishing inaccurate information to a credit reporting agency. EVERY SINGLE ACCOUNT showing has inconsistencies on their last date of activity. This is a very clear inconsistency that has yet to be verified.

These bureaus have blatantly ignored my request. This inaccurate information is hurting my credit. It is well beyond the 30 day investigation period allowed, and I have been ignored.

These accounts and public record should be deleted as soon as possible. Please mail me an updated report showing these changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive identified information and accounts on my personal credit. these accounts and transaction were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Back a few months ago I tried to pay a {$1000.00} on my Cititcard. It would not let me at all. So I tried different amounts and it finally let me do {$200.00}. Today I tried to pay a {$100.00} and it would only let me pay the minimum payment. I think this is terrible, because I am trying to pay this card off. I paid {$5000.00}, {$3000.00} and other large amounts to othe creditors with no problem online.

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 2023-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am writing to you today to file a complaint against Shellpoint Mortgage Servicing, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. My loan number is XXXX. 

On XX/XX/2023, Shellpoint placed force-placed insurance on my home because they did not receive proof of my existing insurance policy. I immediately provided them with proof of insurance on XX/XX/XXXX, but they have not yet removed the force-placed insurance or refunded me the premiums that I have paid. 

It has now been 25 days since I provided them with proof of insurance, and they have still not taken any action. This is a clear violation of 12 CFR Part 1024.37, which requires them to remove force-placed insurance and refund the premiums within 15 days of receiving proof of valid insurance. 

I have tried to contact Shellpoint on several occasions to resolve this matter, but my calls and emails have gone unanswered. I am now forced to file a complaint with the CFPB in order to get my issue resolved. 

I am requesting that the CFPB investigate this matter and take appropriate action against Shellpoint. I am also requesting that the CFPB order Shellpoint to remove the force-placed insurance from my home and refund me the premiums that I have paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00}, ( Advised to include in Regular Letter ) XXXX XXXX XXXX Balance : {$3000.00},

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 non-monetary relief