vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was checking on my credit report and I noticed hard inquiries that belong to someone else

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 2023-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report maintained by your bureau. After a thorough review of my credit history, I have identified an inaccurate late payment entry that I believe may be the result of a bank error or system glitch. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I pride myself on maintaining a strong record of timely payments, and this reported late payment is inconsistent with my financial behavior. I suspect that there may have been a bank error or a system glitch that led to this inaccurate reporting. 
I understand that accurate credit reporting is crucial, and I believe resolving this issue is essential to maintaining the integrity of my credit history. Please investigate the possibility of a bank error or system glitch that may have led to this inaccurate reporting.

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 2023-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan was Modified with XXXX XXXX XXXX in XX/XX/XXXX. The payments were made on time for the correct amount each month through XXXX of XXXX. The Servicing had changed in XXXX of XXXX, when Community was taken over by Nationstar, Nationstar began servicing it under a division of theirs by the name of Right Path. Right Path received but failed to credit me for XXXX and XX/XX/XXXX. In addition, they refused all future payments from me, on the grounds that the account was over XXXX behind in payments when they received the account. I was given a number of different explanations why the account was in default when all the payments were in fact made, and the evidence presented. The first was that there was no modification. When that claim was successfully challenged, the next explanation was that my taxes were XXXX per month and depleted the escrow account. When that claim was shown to have no factual basis, and that the tax and insurance expenses had been within the budget of the escrow as structured at the start of the modification, Right Path entirely ignored this fact. They refuse to tell me how each of my payments was applied under XXXX XXXX XXXX, insisting they do not have access to that data. And yet, they continue to state the same non existent escrow expenses as cause for the default upon which they refused to take my payments, ( and in doing so, created a path to foreclosure. ) And they keep restating this in spite of the fact that it is patently false. The deplorable state of accounting history for the loan is such a red flag of reckless foreclosure, I will be surprised if it doesn't demand an explanation. I will attach it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have just beat it a collections account that is inaccurate on my account for months now with no action taken by Experian. They've been sent letter certified mail and other documentation both mailed and uploaded into their system and attached to multiple cfpb complaints. They're investigations are taking 60 to 90 and even 120 days with no solutions or resolutions. While item is being disputed it needs to be removed during that process when a letter is sent. This has not happened by Experian. Disrespectful unhelpful and downright nasty when I call them. Under Fair credit reporting I am within my right to sue them for disputes taking longer than 30 days. 

I have provided them evidence of my identification in multiple ways multiple times including you can see a copy of my driver 's license in one of the attachments that I sent to them VIA mail and uploaded to their system. Letters, calls, evidence and on and on. It is enough. XXXX XXXX XXXX have failed to provide me the validation of debt nor have they provided this to experience. XXXX and XXXX both have followed the law and removed this creditor from my credit reports. Experian is the only one refusing to do so. 

Case law to support- XXXX XXXX XXXX XXXX XXXX XXXX 

This is my last attempt before filing a motion in court to sue under FCR.

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 2023-11-20 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: FL

Complaint narrative:
Please be advised that as of XXXX as listed on my most recently reviewed Equifax consumer credit report, there are several XXXX XXXX inaccurate, unverified and invalid accounts listed : These include account numbers XXXX, XXXX & XXXX. Please find attached proof that these accounts are currently in dispute with XXXX XXXX via mail and fax. XXXX XXXX is yet to respond with a confirmation of the debt. Having understood that Equifax is in violation of XXXX XXXX. XXXX ( i ) XXXX ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, Both together and seperately, my consumer and privacy rights are being violated. the aforementioned invalid, inaccurate and unverified accounts are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had two college savers accounts for around a decade, that suppose to result in XXXX $ bonus when my kids finish high school. Recently rates went up for investment accounts and I had no interest on these two college saver accounts for a decade, $ collecting dust. So I inquired customer service over the phone about minimum balance to carry to do not loose the bonus. The response was - no minimum balance, just continue deposits requirement. I moved most money to CDs. Bank sent me letter that they converting my college savers to one deposit savings accounts as a result. I tried to fight that, but was told there were electronic notifications about conversion. I didnt find any notices. And no one is helping to resolve and restore my college savers account as this product is outdated. I m furious about keeping tens of thousands without any interest in this cheater bank for decadeWhen you ask about CD rules like early withdrawal penalty- they dont know what it is. So play this game at your own risk and face consequences, because they dont know their own policies and have no accountability for their misinformation to clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts. However, I have reached out to the creditors regarding the validity of the debt, but they did not provide any proof. Therefore, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within thirty ( 30 ) days. Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of Ed/XXXX XXXX XXXX Dept Of EdXXXX XXXX, and Dept Of EdXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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:
XXXX XXXX XXXX {$7600.00} is reporting in error. I have tried Mutiple time to correct this matter. Please delete this item 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 non-monetary relief
Consumer complaint received 2023-11-20 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:
XXXX XXXX XXXX {$7600.00} is reporting in error. I have tried Mutiple time to correct this matter. Please delete this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2023-11-20 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2023-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was checking my credit report and noticed hard inquiries that belong to someone else

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 2023-11-20 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 recently reviewed a copy of my credit report I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: VA

Complaint narrative:
I was checking my credit report and noticed hard inquiries that belong to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called the company to speak with their customer service department. It was at that time I requested the removal of inaccurate personal information. I was informed they were able to complete my request due to other reasons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report maintained by your bureau. After a thorough review of my credit history, I have identified an inaccurate late payment entry that I believe may be the result of a bank error or system glitch. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I pride myself on maintaining a strong record of timely payments, and this reported late payment is inconsistent with my financial behavior. I suspect that there may have been a bank error or a system glitch that led to this inaccurate reporting. 
I understand that accurate credit reporting is crucial, and I believe resolving this issue is essential to maintaining the integrity of my credit history. Please investigate the possibility of a bank error or system glitch that may have led to this inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
Submitted a chargeback with Discover against the XXXX XXXX for {$370.00} for not delivering, I was told at first the carrier marks things as delivered before actually delivering and then later promised a refund. The merchant didnt provide that refund as promised. Contacting discover in regards to it and I am left in the complete dark and all of a sudden discover reports the charge without providing any documentation on why and without me being able to provide them proof the merchant promised a refund after not delivering the order as promised and not being able to locate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 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: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX  XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called the company to speak with their customer service department. It was at that time I requested the removal of inaccurate personal information. I was informed they were able to complete my request due to other reasons.

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 2023-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I have disputed this fraudulent account several times. This has destroyed my credit as a single parent in a rising economy. XXXX XXXX XXXX XXXX XXXX XXXX financer as XXXX XXXX involved up to date customers like myself into a scandoulos scam selling contracts to debt collectors while current, WITHOUT NOTICE, without options just nothing!!!! 

WESTLAKE FINANCIAL CAN NOT PROPERLY SEND VALID DEBT VALIDATION SHOWING ME THAT I HAVE SIGNED A CONTRACT WITH THEM, NOR A SIGNED CONTRACT STATING THAT I AGREE TO PAY WESTLAKE FOR ANY VEHICLE.

I FOUGHT 3 ROUNDS OF DISPUTES TO FINALLY HAVE AMERICAN FINANCIAL DELETED FROM MY PROFILE AFTER FILING COMPLAINTS WITH AL ATTORNEY GENERAL. IT WAS REMOVED FROM MY CREDIT ON XX/XX/23 WESTLAKE IS FRAUDULENTLY REPORTING ON MY CREDIT PROFILE AND PROVIDING ME DOCUMENTS FROM A CLOSED BUSINESS WHOM WAS DISPUTED AND DELETED OFF OF MY CREDIT REPORT XX/XX/23 DUE TO THEIR SCANDALOUS ACTIVITIES AND REPORTING. WESTLAKE PORTFOLIO IS A FRAUDULENT ACCOUNT AND NEEDS TO BE IMMEDIATELY DELETED FROM MY CREDIT REPORT! 

FURTHERMORE, MY LOCAL DMV IS REQUESTING FOR THE REPOSSESSION NOTICE THAT WAS NEVER SENT TO ME BECAUSE WESTLAKE CAN NOT PROPERLY SEND REQUESTED DOCUMENTS TO VALIDATE DEBT NOR HOLDS INTEGRITY FOR HARD WORKING CUSTOMERS.

THE VEHICLE WESTLAKE FINANCIAL REPOSSESSED ON XX/XX/23 NEVER CAME WITH A REPO LETTER I NEED THAT SENT TO ME IMMEDIATELY TO PROVIDE TO THE DMV FOR TAG REIMBURSEMENT COSTS of over {$300.00}. 

THIS FRAUDULENT ACCOUNT NEEDS TO BE DELETED FROM MY PROFILE IMMEDIATELY, A PROPER CEASE AND DESIST AND A PROPER INVESTIGATION FOR A CONTRACT UNDER WESTLAKE WITH MY SIGNATURE!

I AM CLEARLY FRUSTRATED AS I HAVE BEEN DEALING WITH THIS NIGHTMARE ALL YEAR LONG WITH MY CREDIT BEING DESTROYED DUE TO SCANDALOUS ACTIVITIES OF AMERICAN CAR CENTER!!!!!!!!!!!! 

PROOF HAS ALREADY BEEN SENT IN MY LAST COMPLAINT

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 2023-11-20 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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