vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2024-08-11 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: NC

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

XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX has violated my rights.

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 an 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, 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
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
After noticing multiple late payments reporting to my consumer report I notified the credit reporting agencies and asked them to investigate this account. I understand that in order for any account to be reported as late, the consumer in which I should receive a statement document every month no later than 21 days before my bill due date pursuant 15 U.S. Code 1666b - Timing of payments. Since I've opened this account I have yet to receive that document but every month they continued to report it late without following the proper procedures in which that is a violation. At some point with XXXX affecting everything I came across hard times and fell behind on bills. This account that's reporting unauthorized late payments without following the proper procedures is negatively impacting my credit score limiting my ability to obtain necessities in life. I am not disputing this account in the fact that this debt isn't mine but in the fact they they failed to properly send me the statement documents from every month that this account was open but yet still proceeded to report this account as late. I am asking that they remove or stop reporting this account from reporting to my consumer report in which that failed to follow the proper procedures pursuant 15 US CODE 1666b - Timing of payments. A copy of my consumer report and letter to the creditor is included with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have tried number of time to get help with mortgage payment, such as refinance, loan modification they keep denial. I have complained told them I'm a widow, my husband pass, my income decrease. Got XXXX XXXX XXXX XXXXXXXX unable to work. Now im getting alots of medical bills. I don't know what it take to get help. I'm really unable to keep making these high payment. I need help Please. I only get SS once a month. Now all of bills getting behind because I'm trying to keep a roof over my head. I would appreciate any help or assistance I can get. I'm a XXXX XXXX trying to make it on a fix income. Thanks you for any help I can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl,XXXX  XX/XX/year> Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX XXXX XXXX XXXX , Maryland XXXX Dear Consumer Financial Protection Bureau , I am writing to file a dispute regarding alleged violations of 12 CFR 1006.34 ( b ) ( 5 ) by [ Credit Collection Service Name ], a debt collector for XXXX  XXXX . 

Insurance was obtained on a car that we didnt have a month, when the car was repossessed because financing wasnt available I didnt cancel the insurance ; therefore I was charged insurance for a car I didnt have in my possession. I contacted the insurance company when I received the bill and gave them this information. I believe the insurance company owes me a refund. 

I received a communication from [ XXXX XXXX XXXX XXXX ] regarding an alleged debt originally owed to XXXX XXXX. I believe this communication violates the Fair Debt Collection Practices Act ( FDCPA ) through its failure to comply with 12 CFR 1006.34 ( b ) ( 5 ). 

they failed to provide accurate validation information, or that they continued collection activities after the validation period expired. ] I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ XXXX XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-08-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl,XXXX  XX/XX/year> Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX XXXX XXXX XXXX , Maryland XXXX Dear Consumer Financial Protection Bureau , I am writing to file a dispute regarding alleged violations of 12 CFR 1006.34 ( b ) ( 5 ) by [ XXXX  XXXX XXXX XXXX ], a debt collector for XXXX XXXX XXXX 

Insurance was obtained on a car that we didnt have a month, when the car was repossessed because financing wasnt available I didnt cancel the insurance ; therefore I was charged insurance for a car I didnt have in my possession. I contacted the insurance company when I received the bill and gave them this information. I believe the insurance company owes me a refund. 

I received a communication from [ XXXX XXXX XXXX XXXX ] regarding an alleged debt originally owed to XXXX XXXX. I believe this communication violates the Fair Debt Collection Practices Act ( FDCPA ) through its failure to comply with 12 CFR 1006.34 ( b ) ( 5 ). 

they failed to provide accurate validation information, or that they continued collection activities after the validation period expired. ] I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ XXXX XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
Mandarich Law is suing and attempting to collect on a debt they are not even associated with. They refuse to provide a Debt Validation Letter and keep telling me to pay them, or they will come after my VA benefits. Those benefits are protected. Its very simple : provide a Debt Validation Letter, and we can go from there. Mandarich Law is neither the original creditor nor the creditor associated with my account. They are looking at a debt that is either paid off or settled

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX balance {$19000.00}, XXXX XXXX balance {$520.00}, and XXXX XXXX balance {$350.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: LA

Complaint narrative:
The equipment was returned they say they never got it I dont control how the mail runs!!!!!!!!

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 2024-08-11 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: TX

Complaint narrative:
I am a victim of identity theft I have accounts that were fraudulently open on my credit profile. The names, address, employers are also inaccurate on my credit profile.

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 2024-08-11 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: CA

Complaint narrative:
sold to and bought by a third party ( collection agency ) and i have no liability to a third party because i do not have a signed contract with XXXX XXXX. please provide me with the direct contract in which it is that they have with XXXX XXXX that they are authorized to collect for them, and not just a company that bought a debt. Because this debt was sold to a third party agency that means the account was a charge off therefore it will be considered income and income can not be reported on my credit report because it is now a Certificate of Indebtedness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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 2024-08-11 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: TN

Complaint narrative:
I received my credit report on XX/XX/XXXX and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.

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 2024-08-11 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: TN

Complaint narrative:
I received my credit report on XX/XX/XXXX and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.

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 2024-08-11 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:
I just check my trans union credit report, and i saw 2 inquiries which one not authorizing someone using my information to get credit card loans on my name please remove those two inquiries from my credit report XXXX Reported on XX/XX/year> XXXX Reported on XX/XX/year> 2024

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax, XXXX XXXX and XXXX has been notified 4 times each in XXXX, XXXX, XXXX and in XXXX Asking them to send me a contract from each company making a claim i owe them Money and they all have failed to respond with evidence that the Alleged debit belongs to me, its been 8 months and this has cause me great grief in my life it has hindered me for securing a place to live, obtain credit to improve my livelihood here are the names of the Company 's who have refused to abide by the laws and verify the Alleged debit or remove it from my personal credit report according to : UNDER FCRA SECTION 616 & SECTION 617, Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX XXXX XXXX XXXX : Alleged Amount {$5400.00}, on Equifax it says " Closed '' on XXXX it Says " Closed '' and on XXXX it says " Closed '' Why is it still on the report? 

XXXX. XXXX XXXX : Says {$0.00} Balance but remains on the XXXX Report as " Closed '' Why is it still on the report? 

XXXX XXXX XXXX XXXX XXXX Amount {$580.00}, On Equifax its XXXX Closed '' but on XXXX its XXXX is " Open '' and it was completely removed from the XXXX Report Why Is That? 

XXXX : Alleged Amount {$830.00}, On the XXXX Report XXXX say " Open '', but has Been Removed for the Equifax and XXXX Reports, Why is that? 

XXXX. I XXXX XXXX  : Alleged Amount {$340.00} : On the XXXX report status is " Open '' XXXX Status is " Closed '' and On the Equifax it has been removed why is that? 

XXXX. XXXX XXXX : Alleged Amount {$890.00}, On XXXX Status is " Open '' and Has been Removed from the Equifax and XXXX Reports, Why is that?. 

Note : All letters sent to the XXXX XXXX XXXX XXXX XXXX 's were served Certified mail with Return Receipt for 4 times each and All documents were Certified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, XXXX XXXX and Experian has been notified 4 times each in XXXX, XXXX, XXXX and in XXXX Asking them to send me a contract from each company making a claim i owe them Money and they all have failed to respond with evidence that the Alleged debit belongs to me, its been 8 months and this has cause me great grief in my life it has hindered me for securing a place to live, obtain credit to improve my livelihood here are the names of the Company 's who have refused to abide by the laws and verify the Alleged debit or remove it from my personal credit report according to : UNDER FCRA SECTION 616 & SECTION 617, Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX XXXX XXXX XXXX : Alleged Amount {$5400.00}, on XXXX it says " Closed '' on XXXX it Says " Closed '' and on Experian it says " Closed '' Why is it still on the report? 

XXXX. XXXX XXXX : Says {$0.00} Balance but remains on the XXXX Report as " Closed '' Why is it still on the report? 

XXXX XXXX XXXX XXXX XXXX Amount {$580.00}, On XXXX its XXXX Closed '' but on XXXX its XXXX is " Open '' and it was completely removed from the Experian Report Why Is That? 

XXXX : Alleged Amount {$830.00}, On the XXXX Report XXXX say " Open '', but has Been Removed for the XXXX and Experian Reports, Why is that? 

XXXX. I XXXX XXXX  : Alleged Amount {$340.00} : On the XXXX report status is " Open '' Experian Status is " Closed '' and On the XXXX it has been removed why is that? 

XXXX. XXXX XXXX : Alleged Amount {$890.00}, On XXXX Status is " Open '' and Has been Removed from the XXXX and Experian Reports, Why is that?. 

Note : All letters sent to the 3 Major Credit Reporting Agency 's were served Certified mail with Return Receipt for 4 times each and All documents were Certified.

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