vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: DE

Complaint narrative:
I reviewed my consumer reports and there are inaccuracies in the reports. There are accounts marked as 30 Days Late and I have never been late with any payments. I have always made on time payments on my accounts, I have never been late. Consumer reporting agencies are required by law to report accurate information. The law is being broken and my consumer rights are being violated. I am requesting a thorough investigation of these discrepancies with documented written evidence to prove these late payment accusations that legally support these consumer reporting agencies inaccurate claims. 

Please provide my original creditors financial statements with payment history logs of my accounts showing these late payments with the exact dates, and dollar amounts of the actual missed payments and when these late payments were actually received, as well as provide me with a written transcript of the recorded phone call conversations with the time, date and staff persons names of when these late payment discrepancies were reported to these consumer reporting agencies from the original creditors. 

The accounts in discrepancy is as follows : XXXX XXXX Services Account # XXXX Inaccurately Reporting as 30 days late for XX/XX/year> & Inaccurately Reporting as 30 Days Late for XX/XX/year> Rocket Mortgage Account # XXXX Inaccurately Reporting as 30 Days Late for XX/XX/year> I have attached a copy of my passport, notarized affidavit of identity, screenshots of the credit reports showing the accounts and the negative 30 day late reports. 

If you are unable to furnish the requested proof, I demand an immediate update of my payments to reflect the true on time paid as agreed/ never late status, as I have never been late on a payment. I have consistently upheld my payment obligations without delay. As I appreciate your prompt attention and action on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: DE

Complaint narrative:
I reviewed my consumer reports and there are inaccuracies in the reports. There are accounts marked as 30 Days Late and I have never been late with any payments. I have always made on time payments on my accounts, I have never been late. Consumer reporting agencies are required by law to report accurate information. The law is being broken and my consumer rights are being violated. I am requesting a thorough investigation of these discrepancies with documented written evidence to prove these late payment accusations that legally support these consumer reporting agencies inaccurate claims. 

Please provide my original creditors financial statements with payment history logs of my accounts showing these late payments with the exact dates, and dollar amounts of the actual missed payments and when these late payments were actually received, as well as provide me with a written transcript of the recorded phone call conversations with the time, date and staff persons names of when these late payment discrepancies were reported to these consumer reporting agencies from the original creditors. 

The accounts in discrepancy is as follows : XXXX XXXX Services Account # XXXX Inaccurately Reporting as XXXX  days late for XX/XX/year> & Inaccurately Reporting as XXXX  Days Late for XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurately Reporting as XXXX Days Late for XX/XX/year> I have attached a copy of my passport, notarized affidavit of identity, screenshots of the credit reports showing the accounts and the negative XXXX  day late reports. 

If you are unable to furnish the requested proof, I demand an immediate update of my payments to reflect the true on time paid as agreed/ never late status, as I have never been late on a payment. I have consistently upheld my payment obligations without delay. As I appreciate your prompt attention and action on this matter.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-29 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I hope this message finds you well. I was previously a customer of Lexington Law and am reaching out regarding the lawsuit settlement. I understand that settlement checks have been issued, but I have not yet received mine. 

Could you please provide an update on the status of my check or let me know if any additional steps are required on my end? 

Thank you for your time and assistance. I look forward to your response. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My father passed away XX/XX/year> and left house to us through a quitclaims deed which is filed through the local title company where we live and where the house is. This mortgage is through PHH and we have contacted them several times regarding assignments with this mortgage. We have filled out the needed paperwork for the forbearance and have sent the needed documentation that they requested as well. We have heard nothing regarding this case and when my sister or myself call for an update we are transferred to many different people whom all claim there is nothing on file regarding this. Different answers from each person. I know the information was received because I emailed everything and have the receipt email that it was received. We now are receiving letters from the company telling us the property is going to be foreclosed due to no payment. We have stated what we can pay monthly in the paperwork that they sent out and nothing has been replied too, only letters that stated the mortgage is in default due to no payment. We currently have it for sale and have excepted and offer and will be closing soon. The mortgage company will receive the amount in full that is owed and will be sent directly to them from our local title company when the closing takes place. When I requested a payoff letter they responded with the payoff letter but has not assisted in the response regarding the forbearance documents that was completed over 30 days ago. I have also requested information regarding a death clause that my father stated was on the mortgage as well but they claim nothing is listed on the mortgage regarding this, but can't provide me with the account information for me to go over. But they do state my full name is listed on the account right along with my sisters. I am requesting communication regarding these concerns and a response to the offer that we excepted involving the payoff of the mortgage in full and the needed paperwork to go over to see if any information is listed pertaining to the death of my father 's mortgage.

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
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XX/XX/XXXX, CAXX/XX/XXXX
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XX/XX/XXXX PA XX/XX/XXXX
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LocationXX/XX/XXXX, OR XX/XX/XXXX
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XX/XX/XXXX VA XX/XX/XXXX
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XX/XX/XXXX via TRANSUNION INTERACTIVE IN
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XX/XX/XXXX XX/XX/XXXXCAXX/XX/XXXXRequested OnXX/XX/XXXX XX/XX/XXXX
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XX/XX/XXXX FL XX/XX/XXXX
Requested On
XX/XX/XXXX
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XX/XX/XXXX CA XX/XX/XXXX
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Location
XX/XX/XXXX CA XX/XX/XXXXRequested OnXX/XX/XXXX
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LocationXX/XX/XXXX XX/XX/XXXXCAXX/XX/XXXX
Requested On
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XX/XX/XXXXLocationXX/XX/XXXXUTXX/XX/XXXXRequested On
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Requested OnXX/XX/XXXXPhone
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LocationXX/XX/XXXX XX/XX/XXXX, PA XX/XX/XXXXXX/XX/XXXXRequested On
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LocationXX/XX/XXXX VA XX/XX/XXXXequested On
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XX/XX/XXXXLocationXX/XX/XXXX XX/XX/XXXX NY XX/XX/XXXX
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XX/XX/XXXX TXXX/XX/XXXXRequested OnXX/XX/XXXX
PhoneXX/XX/XXXX XX/XX/XXXXLocationXX/XX/XXXX PA XX/XX/XXXX
Requested On
XX/XX/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 2024-12-29 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-29 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.

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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.

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted Capital One Bank regarding my credit card account between XX/XX/XXXX and XX/XX/XXXX regarding and {$XXXX} credit balance on my account. I asked for a refund check. I was told to verify my identity by receiving a text message, which I did. I was then asked to confirm the mailing address, which I did. I was then assured that my request wass successfully submitted and to receive the check within a couple of days. I was also told that the refund amount would be deducted from my account. As of XX/XX/year>, the balance hasn't been deducted from my account. I would like my check immediately issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have now for Is the past year or Too I have sent in multiple disputes Is crediting Bureau 's and I have gotten gotten little results Except from XXXX, they have efficiently for the most part done their best to accurately Credit profile but Is XXXX and XXXX have both bear Barely put in any effort on fixing or making accurate The anacrasies on my credit profile and thus I have had issues getting business funding.And it has caused a great deal of stress and XXXX To my day to day life I can not get my business up off the ground.Nor can I get XXXX loans Because of my damage credit.I have sent in multiple dispute letters and Gotten very little help in getting the inacracies fixed.I 've been denied I've been denied for business loans and personal credit loans.That I was going to use to leverage to Expand and make my business profitable

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 2024-12-29 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: U.S. BANCORP
State: OK

Complaint narrative:
I have now for Is the past year or Too I have sent in multiple disputes Is crediting Bureau 's and I have gotten gotten little results Except from XXXX, they have efficiently for the most part done their best to accurately Credit profile but Is XXXX and XXXX have both bear Barely put in any effort on fixing or making accurate The anacrasies on my credit profile and thus I have had issues getting business funding.And it has caused a great deal of stress and XXXX  To my day to day life I can not get my business up off the ground.Nor can I get XXXX XXXX  Because of my damage credit.I have sent in multiple dispute letters and Gotten very little help in getting the inacracies fixed.I 've been denied I've been denied for business loans and personal credit loans.That I was going to use to leverage to Expand and make my business profitable

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 2024-12-29 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
There is a hard inquiry on my XXXX credit report from a Barclays Bank Delaware on XX/XX/2024 but didnt apply for credit or otherwise consent to a hard inquiry.

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 2024-12-29 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:
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief