vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/year> XX/XX/year> XX/XX/year> I sent several goodwill adjustment letters for late payment removals. 

Dear, XXXX XXXX XXXX  I am writing to inform you about Section 602 of the Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681. This section addresses the permissible purposes for which consumer reporting agencies may furnish consumer reports.

Under Section 602, consumer reporting agencies are only allowed to provide consumer reports to entities that have a legitimate business need for the information. These permissible purposes include evaluating a consumer 's creditworthiness, making decisions regarding credit or insurance applications, and conducting employment background checks.

In addition, I would like to draw your attention to Section 605b of the Fair Credit Reporting Act, which requires consumer reporting agencies to provide consumers with a summary of their rights under the law. This summary must be included with any adverse action notice or when a consumer requests their credit report. 

If you have any questions or concerns about how your credit information is being accessed or used under Section 602 or Section 605b of the Fair Credit Reporting Act, please feel free to contact me for further assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. This account has been disputed under identity theft which was reported to your CRA and the then creditor turned around and sold it to a collection firm. Please see attached documents provided by this collection firm. None of the signatures match my signature ( see also attached drivers License ). The account details are as follows : XXXX XXXX XXXX and Acct XXXX XXXXXXXX.

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 2024-07-28 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: MD

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct 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 non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
XXXX XXXX XXXX is holding onto package, not responding back in a timely manner and is causing delays to the closing process. Here is the current timeline of events. 

XX/XX/2024 - Completed and signed all XXXX XXXX documentation. 


XX/XX/2024 - Paid Processing Fee. XXXX stated package is forwarded to a XXXX XXXX. 


XX/XX/2024 - Called Customer Service to speak to XXXX XXXX. Told they would call me back within XXXX hrs. 


XX/XX/2024 - Never received called back. 


XX/XX/2024 - Called Customer Service again to speak to XXXX XXXX. 
Received callback from XXXX XXXX. Loan Processor requested for more documentation ( Home Insurance, Rental History, SSI Card, etc. ) and had to repull credit. 
XXXX XXXX told me package will be sent to underwriter once receives the requested documentation. 
All documentation were submitted to XXXX XXXX same day on XX/XX/2024. 


XX/XX/2024 - Followed up with email asking if XXXX needed anything else. No response. 


XX/XX/2024 - Follow up with email asking if XXXX needed anything else. No XXXX. 


XX/XX/2024 - Called Customer Service to speak to XXXX XXXX. XXXX messaged to loan processor. No response. XXXX created call back ticket for a call back from XXXX XXXX within XXXX hrs. 


XX/XX/2024 - No call back received XX/XX/2024 - Called Customer Service to speak to XXXX XXXX. 
XXXX told me I would receive a call back within XXXX mins. Did not receive a call back within that timeframe. After XXXX hrs, received a call back. Told me package can not move forward to underwriter until " Request for Verification of Rent or Mortgage '' form is obtained back from previous landlords.

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 2024-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC
State: NC

Complaint narrative:
My servicer LoanCare provides a property valuation and solicits for products like HELOCs and insurance based on that value. The value is in the portal and is updated periodically. Based on the value provided BY LoanCare, my loan has been eligible for removal of PMI for several years. I have asked repeatedly to have my PMI removed based on the valuation provided by LoanCare, but LoanCare will not remove it unless I pay to have an appraisal done of the property. PMI adds XXXX dollars a month to my payment and based on the terms of the loan is not necessary and is oversecuring the creditor. 

This is the definition of deceptive given that LoanCare has a valuation of my property, is engaged in portfolio monitoring that includes a regular AVM which is where they derive their estimation of the value of my property. 

Also, LoanCare has not kept the record of the letters, communication or responses on their servicing portal. I do not believe LoanCare is exercising proper records in their system of record.

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 2024-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: PA

Complaint narrative:
This was a result of identity theft.I have never live at the address they are attached the debt to. I am requesting National Recovery Services to verify the information they have on file

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX on XX/XX/year> - I do not have an account with this company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX Phone : XXXX - I do not have an account with XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: MD

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: MD

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct 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 2024-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
MOHELA forgave my student loans under XXXX back on XX/XX/year>. They confirmed I made XXXX direct consolidation loan overpayments and said the XXXX would reimburse me. I filed a complaint with the ombudsman XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. It is " in review ''. I have heard nothing. Any assistance is appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have enclosed a copy of my credit report with the incorrect entry highlighted for your reference. Additionally, I have included supporting documentation that proves this account is not associated with me, including [ e.g., a police report, affidavit of identity theft, or any relevant documents ].

I kindly request that you investigate this matter and remove the erroneous entry from my credit report. This incorrect information is adversely affecting my credit score and needs to be corrected as soon as possible.

Please confirm the receipt of this dispute and inform me of the resolution. If further information is needed, feel free to contact me at the above address or phone number. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
First the debt does not belong to me, the XXXX credit agencies keep taking pay offs to publish false information on my credit report which is hindering my well being of living. They have violated my privacy. According to - [ ] 15 usc 6802 : rights to privacy. 
Obligations with respect to disclosure of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
I DONT RECOGNIZE THIS CREDIT REPORTING PARTY WHICH IS XXXX  XXXX XXXX, never did business with, notwithstanding the FACT that the information is incomplete, inaccurate, incorrect payment history 15 usc 1681 ( b ) insured maximum accuracy of the furnisher. Never received any proof of debt, please re-investigate this mis information the FCRA states the furnisher to report complete and accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) Contents of Complaint : To whom it may concern, this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block all information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ), a personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a personal credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ), and a personal credit card account at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, under the account number ( XXXX ). These accounts have resulted in XXXX accounts being late, along with XXXX charge offs appearing on my consumer XXXX credit report. Ive attached a copy of the consumer XXXX  credit report maintained by you which shows the fraudulent items that were previously mentioned. I am completely unfamiliar with all the previously mentioned accounts, and they are all listed as charged off. All the previously mentioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: Collections Acquisition Company, Inc.
State: AR

Complaint narrative:
I noticed a new collection on my credit report, via my score going from XXXX to XXXX. 
XXXX XXXXPayliance was the collection tradeline which intentionally poisioned my report. 

After research and numerous communicating with Payliance and XXXX bets, and explaining I did not bounch a payment and was either the victim of an account take over, and/or ID Therf, my complaints fell on deaf ears. 

The bank I use has refunded my money, however, PaylianceXXXXXXXX XXXX refuses to remove the tradeline. I was " told '' I had to file a police report. 

I took off a XXXX from work and filed a police report and even an ID Fruad affidavit. I sent both to XXXX XXXXPayliance, and again explained I have not bounced a check/ACH from my check and to please research the bank, routing number, and account # of the alleged bounced payment and they would easily see it was not I that made and/or authorized said charges. 

I have jumped through incredible hoops by closing my bank account and reopening another. I filed disputes with my bank ( success ), the CRA " big XXXX '' and copied Payliance and XXXX bets on all communications. 

I even articulated the actual damages this was causing as I have to sign for my daughter 's studen loans and now my interest rate has gone up. 

I have even given them a reasonable deadline to have have their posion of my consumer reports, or I will litigate. 

That deadline passed and the posion remains on my credit report. I have already drafted my federal and state lawsuits, which will be filed this week and service should be easily perfected. 

I have the knowledge and ability to stand up for myself, and be Payliance/XXXX XXXX worse nightmare. However, I am in a very small minority. 

How can a company not provide a copy of the alleged check/ACH and the account number and bank the alleged debt " bounced. '' Answer- they play the odds. They are losing big time with me, soon, but I'm sure it will be a " cost of doing business ''. Your agency has the authority to make that cost of doing business sting badly. I'm restrained to statutory and actul damages. 

Over {$200.00} this is the hill they choose to die on? From a stand alone single consumer perspective, they just got their wish, but they need to be stopped and your agency has that authority and ability. 

Thank You!

Company response to consumer: Closed with explanation