vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: MD

Complaint narrative:
Examine the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they erroneously report me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
My loan covers 2 parcels. They have not paid taxes in all three years of having this loan, without my intervention. Taxes continue to be in default from XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please review the attached documents. I want the bureau to start an investigation into these accounts, as I am always punctual with payments, but they incorrectly label me as late.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
First of all, we applied for a modification in XXXX. Fay mortgage denied the modification and forbearance without receiving all of our financial documents stated in a letter we received not more than 35 days after we submitted them. Our bank XXXX has a cut off at the 15th of the month and we have to wait another 20 to 25 days to get the last 15 days of the month, They did not wait for this, in a letter dated XX/XX/XXXX The servicer changed representatives several time on us and the paperwork they needed was never stated on a letter informing us what was not complete that they needed. 

The escrow charges went up to {$6600.00} a year from our deferred amount of {$690.00} per year, this caused us to get so far behind that we could not even get a loan to catch up on the payments. Now there is nothing owing on our taxes for XXXX and the escrow charges are still wrong. 
The outrages attorney fees are totally undocumented and all I can find is fees of {$570.00} for a XXXX  that was done on the wrong house and a inspection fee. 
We are very poor senior citizens living on way below the medium income on social security of just {$30000.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
My name is XXXX XXXX. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit for these violations. On XXXX  I sent my FTC Report and my FL license to XXXX, XXXX, and Transunion.

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 2024-01-11 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:
My name is XXXX XXXX. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit for these violations. On XX/XX/2024 I sent my FTC Report and my FL license to XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: IN

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2024-01-11 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: IN

Complaint narrative:
I did not initiate these Accounts 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 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 2024-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
These financial institutions are in violation of granting me my right to " opt out '' from reporting my non public personal information to a nonaffiliated third party without my written consent. Nonaffiliated third parties being XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX  account number beginning with XXXX, also Capital One account number beginning with XXXX. I tried to opt out but they refused but now I am showing the laws that they are breaking and the fraud that they are committing to me the consumer. The law states that they need my written consent to give my non public personal information to a nonaffiliated third party as mentioned above. For the record I did not give my written consent to any of these financial institutions to disclose my non public personal information to these nonaffiliated third parties. Which they give my transaction history as well which is also non public personal information. Also a violation of the privacy act of 1974. And identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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:
*PERSONAL INFO* PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Account # XXXX SPRINGOAKCAP I recently pulled my credit report and noticed that your company bought a debt and the amount you are claiming on my credit report is not the same balance that I have with the original creditor. You are also reporting the incorrect date last active was. The XXXX is critical when dealing with the statute of limitations and I believe your company knows this and that is why you illegally updated the date last active. I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt with Spring Oaks. Please inform me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. Provide the forward flow agreement. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in the state of TX. If you can not provide this information permanently remove this account from my credit report or I will have no choice but to sue your company for defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of XXXX, Experian, and XXXX. 
The mentioned agencies have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Furthermore, under the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Moreover, I want to state that under 15 USC 1681a and b, it is imperative to guarantee that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a dedication to upholding the consumer 's right to privacy. These entities must adopt reasonable procedures to meet the demands of commerce for consumer credit, personnel, insurance, and other information in a manner that is just and equitable for consumers. This encompasses the safeguarding of confidentiality, assurance of accuracy, relevance, and appropriate utilization of information. 
Included there is a court statement along with an FTC identity theft report, as supporting evidence. 
Furthermore, 15 U.S.C 1681c2a states that it is mandated that a consumer reporting agency must promptly block the reporting of any information in a consumer 's file identified by the consumer as resulting from alleged identity theft. This action must be taken no later than 4 business days after the agency receives documentation from the consumer which I have attached.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Credova Holdings Inc
State: TX

Complaint narrative:
My contract has ended with this loan company XXXX XXXX XXXX sine XXXX but they state that I owe them money when I don't as I explisitly asked them for any missing payments and to get caught back up in XXXX of XXXX in which they gave me an amount of XXXX which I paid and then proceeded to make my normal monthly payments now they are stating I still owe them money. They have transferred my loan several times failed to keep accurate billing of my account and asking me to provide them statements showing that I paid my bill on time after my loan being transferred back to them for my loan servicing. They are in violation of multiple federal and state laws. Furthermore, I asked them to stop contacting me and they are still contacting me. I also asked them to close this account and mark it as paid in full in which they failed to do so as required by law since my contract ended with them. Furthermore, they are posting in accurate information on my credit reports stating I had late payments with out notifying me and asking my permission to post said information on my credit reports. Also all the information they are posting is false as I have the documentation to prove it. They are in violation of US consumer law and FCRA and TDCA and continue to harrass me about this alleged debt as of today via email when I explictly asked them to not contact me anymore about this debt and mark it paid in full and pay me damages which they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I updated my address information over the phone with a rep, back in XXXX. I then made an online purchase using my Kohls charge and Kohls cash. However, they still shipped the purchase to an old address. Its taken me 3 months to get this rectified, because every time I had to call and speak with someone to get the late fees and interest charges refunded, the reps never completed the tasks. In addition, I still dont have my Kohls cash reimbursed. This is horrible customer service, and as an XXXX XXXX XXXX woman, this is making me very feel like they are taking advantage of senior citizens. Aside from this runaround, I found out today that Kohls reported to the credit bureaus that my payment was late, which has affected my credit score. I never received the product, its taken me months to finally get the interest and late fees reversed, and Im having to call for every little thing one by one, because not a single person has done the job completely. When I called to let them know I hadnt received the package, they said I had to wait on the refund until the package was returned to them. So, I had to call back to make sure they got it, but they still charged me for it. Then I had to call back again for a refund. They took forever to do that, but still charged me for interest and late fees. I had to call back AGAIN for them to reverse it, and when they finally did, I still didnt get my Kohls cash reimbursed. So, I called back AGAIN and they said it would be reissued on the app. I dont see it. These people need new training on how to complete the job and not give customers the runaround. The worst part is, they had the nerve to report my payment late! So, no product received, getting the runaround, plus late payment reported and my Kohls cash isnt reimbursed. At this point I deserve a gift card for the hassle! Good grief!! I want the late payment report reversed and I want my Kohls cash reimbursed and also something for putting this XXXX XXXX XXXX woman through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Untitled Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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