vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Ive filled and have had this Caine and Weiner debt collector removed from my report on with all 3 bureaus ans now the only credit bureau is XXXX. Saying it remains it has been removed many times over past 5 months so how can that be possible there is no insurance that I signs sup for that was. XXXX a month its insane XXXX  is trying to aceea me Ive had XXXX weird no lapse for the past year at {$220.00} a month so where on earth can XXXX a month. Be a price I never signed up for that and I cancelled over the phone and was told I was good then months. Later I get a collection company harassing since for months about a bill I dk t owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim # XXXX Online claim dispute XXXX, XXXX  XXXXXXXX  {$400.00} CONSUMER/CARDHOLDER has reached out to BOA multiple times. All I received in the end was empty updates. Card issuer has failed in upholding its Bank Account XXXX Liability Policy. Although never falling behind on monthly statements ( see Attachment ). Federal law due process investigation deadlines have long exhausted. Please credit claim back into the account. Thank you. 
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 monetary relief
Consumer complaint received 2023-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a charge off due to reckless driver hitting my car and me getting scammed into buying fake insurance which ended up not being real insurance and at that time the car accident happened shortly after that which was this XX/XX/XXXX to be exact I was not at fault, but dont have the money due to being out of work And getting fired because of this now my car is at a charge off and I need some type of help getting this figured out either way boosting my credit score up or getting the remaining balance. Majority knocked off my credit score so I can go about financing a new Vehicle and then other stuff on my account that shouldve been wiped off or removed but it has not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Regarding XXXX XXXX : This is a cellphone carrier account. Cellphone carriers don't report unless the account is in delinquent or collection status. I've never received any communication via email, mail delivery, or phone notification from XXXX XXXX saying this account was on the verge of going into a Collection Status This closed account has never been in collections, has a XXXXbalance owed on it, and has been closed out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and Equifax for their continued reporting of an inaccurate and closed child support account on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under U.S. Code Title 15, Section 1681. 

The account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is inaccurately reported under a name that does not legally correspond to mine. Additionally, this account has been closed due to this inaccuracy by the creditor and, as such, should not be appearing on my credit report at all. The presence of this incorrect and outdated information is adversely affecting my credit score and, subsequently, my financial opportunities. 

The FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The continued misreporting of my closed child support account, along with the discrepancy in the name associated with the account, constitutes a clear violation of these regulations. 

I have previously attempted to resolve this matter by contacting XXXX, Equifax and XXXX directly and have disputed this account, highlighting its inaccuracies and requesting its removal. Despite these efforts, the account continues to be reported, demonstrating a failure on their part to adequately investigate and rectify the inaccuracies in my credit report. 

Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau in this matter. I respectfully request that the CFPB : 1. Investigate the reporting practices of XXXX, Equifax and XXXX in relation to my credit report. 
2. Ensure the immediate deletion of the inaccurately reported and closed child support account from my credit report. 
3. Confirm that all future reports byXXXX, Equifax and XXXX ] are accurate and compliant with the FCRA. 

Enclosed with this letter are copies of my previous correspondence with [ Credit Reporting Agencys Name ], as well as evidence supporting the closure of the child support account and the discrepancy in the name reported. 

I appreciate your prompt attention to this matter and look forward to a resolution that corrects my credit report and upholds the standards of accuracy and fairness as mandated by the FCRA. 

Enclosed is the statement from the agency closing my account along with the continued inaccurate information pertaining to my legal name. Also enclosed is my legal ID and proof of my legal name which proves this account inaccurate and in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: NY

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX 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 2023-11-25 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: LD Holdings Group, LLC
State: NY

Complaint narrative:
XX/XX/XXXX will make it one year since I had a Mole Infestation devastation at my XXXX XXXX XXXX it destroys the internal walls down to the Studs. 
I apply for a Mortgage Hardship Program since XX/XX/2023, 10 months now and Loan Depot refuses to give me a modification. 
Its very frustrating because they send out an XXXX whom reported that the XXXX is uninhabitable. 
loan Depot kept with asking for paperwork and bank statements, we kept on producing and reapplying and they kept on abusing their power driving me down the foreclosure route. 
I have XXXX children with XXXX XXXX whom trying to cope and fearful of losing their home. 
Loan Depot keep on playing games, and Refusal to assist with the " Hardship Program for a Disaster that I had no control off. 
This is a Formal Complaint against Loan Depot refusal to assist with a Morgage Modification Program. Taxes & Late fees continue to add up and each department including customer service keeps calling or sending letters of late Mortgage balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: NY

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX 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 2023-11-25 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues with my open accounts at Equifax and XXXX XXXX XXXX Despite my repeated attempts to rectify the situation, the problem remains unresolved, causing considerable inconvenience and dissatisfaction on my part. I have been a loyal and responsible customer since then. I have always strived to make timely payments and maintain a positive financial relationship with your company. However, over the past several months, I have encountered repeated problems with my account, primarily related to late billings and inaccuracies in my billing statements. I first noticed the issue with late billings on last month, when my account statement for the month of XXXX was not received until now, well past the due date. This delay has had a direct impact on my financial planning and credit score, as I have been marked as late on my payments through no fault of my own. Despite my efforts to address this issue, which include multiple phone calls to your customer service department and written correspondence, the problem has not been resolved. Instead, I have received only automated responses and generic promises that the matter would be investigated and corrected promptly. However, no concrete action has been taken, and my account continues to suffer from late billings and subsequent late fees. I am deeply disappointed by the lack of attention and urgency given to my account 's situation, and the failure of your company to rectify this issue promptly. As a result, I have decided to formalize my complaint and seek a resolution in a more organized and formal manner. I kindly request that you take immediate action to rectify the late billings and related inaccuracies in my account statements. Furthermore, I would appreciate a detailed explanation of the cause of these issues and a clear plan for preventing such problems in the future. If these matters are not addressed promptly and satisfactorily, I may be left with no choice but to consider legal action or reporting this matter to the appropriate regulatory authorities. I hope it does not come to that, and we can find a mutually agreeable solution to resolve this issue. Please acknowledge receipt of this complaint within 10 business days and provide a timeline for when I can expect to see improvements in my account. I am asking for your help to correct these late open accounts in my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 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 explanation
Consumer complaint received 2023-11-25 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. 

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and XXXX 

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. 

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. 

If this matter is not addressed to my satisfaction within the exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 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 2023-11-25 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: CA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regarding XXXX XXXX : This is a cellphone carrier account. Cellphone carriers don't report unless the account is in delinquent or collection status. I've never received any communication via email, mail delivery, or phone notification from XXXX XXXX saying this account was on the verge of going into a Collection Status This closed account has never been in collections, has a XXXXbalance owed on it, and has been closed out.

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 2023-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Someone from company keeps calling and sending letters for unpaid debt after Ive asked not to from Exeter finance and they have called multiple people around which has me guessing how did they receive that persons phone number or anything I feel harassed by this and they are steady reporting to my report I want this to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. 

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and XXXX 

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. 

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. 

If this matter is not addressed to my satisfaction within the exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file 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 2023-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
I received a letter from Ed Financial stating the loans was discharged from my loans and that is not true. They have a balance of {$110000.00}. Which is not the right amount, XXXX XXXX XXXX shows an amount of {$100000.00} and {$2500.00} of interest total is XXXX. The approved discharged amount of {$9500.00}. total has not been discharged from my student and ed financial is sending a letter stating is. But my balance is showing more than wht I owe. Base on the letter the company sent to CFPB state my balance was {$120000.00}. this company has added the discharged amount to my balance those balances are already in the consolidated amount. They also added the cancel loans to the balance how do u add loans tht are cancel. this is really sad. Those loans was not cancel, I have the report from XXXX. I dont knw where ed financial is getting there information but its causing a problem. They dont give u a correct answer the customer service rep only agree if you have the loan amount from a different source. This company should not be able to send anything back whn I filed a complaint. this company needs to be investigated consumer are getting the wrong loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regarding XXXX XXXX : This is a cellphone carrier account. Cellphone carriers don't report unless the account is in delinquent or collection status. I've never received any communication via email, mail delivery, or phone notification from XXXX XXXX saying this account was on the verge of going into a Collection Status This closed account has never been in collections, has a XXXXbalance owed on it, and has been closed out.

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