vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
I have sent in XXXX lawful debt request affidavits to XXXX XXXX XXXX XX/XX/year> XX/XX/year> XX/XX/year> XXXX & XXXX have ignored the XXXX affidavits that were sent for them to lawfully verify a debt. 
I requested that XXXX XXXX XXXX send XXXX.Validation of debt ( the actual accounting ) 2.Verification of the claim against me ( signed invoice ) 3.Copy of the contract binding both parties ( me and you ) XXXX XX/XX/XXXX XXXX has had more XXXX XXXX XXXX XX/XX/XXXXto send what I requested so with that being said and them not being able to verify anything the mark ( s ) on my credit need to be deleted asap there is no more time to be given according to law 15 usc 1681i ( 5 ) ( a ) ( i ) ( ii )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent in XXXX lawful debt request affidavits to XXXX XXXX XXXX XX/XX/year> XX/XX/year> XX/XX/year> XXXX & XXXX have ignored the XXXX affidavits that were sent for them to lawfully verify a debt. 
I requested that XXXX XXXX XXXX send 1.Validation of debt ( the actual accounting ) 2.Verification of the claim against me ( signed invoice ) 3.Copy of the contract binding both parties ( me and you ) XXXX XX/XX/XXXX XXXX has had more XXXX XXXX XXXX XX/XX/XXXX days to send what I requested so with that being said and them not being able to verify anything the mark ( s ) on my credit need to be deleted asap there is no more time to be given according to law 15 usc 1681i ( 5 ) ( a ) ( i ) ( ii )

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 2024-06-27 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-06-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
Student loan paid in full but havent updated credit reports

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 2024-06-27 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: TX

Complaint narrative:
The report is showing that I owe {$590.00} to an apartment complex in some where, I have been living at my current location from last XXXX  years. Someone use my information and and now my credit report has a collection report on my report that causing my score is going down and I cant get things that I rightfully deserve.

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 2024-06-27 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: MOHELA
State: LA

Complaint narrative:
I reviewed my consumer report and noticed XXXX late payments currently reporting NEGATIVE on all three credit reporting agencies. I initially reached out to the credit reporting agencies and asked them to remove the late payments or update them as paid as agreed but the did not do this. They stated they would update the account so that it would not show any negati8ve information but it still shows SEVERAL months later. I reached out the Mohela and they stated that my loans have been in good standing since they transferred over in XXXX. I also reached out to the prior servicer of my loans which was XXXX XXXX XXXX and they to stated that my loans are on a forbearance status. Since my loans have been in forbearance/deferment status they can not have late payments reported to the credit reporting agencies., Per the Family and Educational act of 1974 I have a right to privacy of my student records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I am writing in response to your correspondence regarding my complaint filed against Omni Financial and XXXX XXXX XXXX. Your response on case number : XXXX acknowledges my concerns regarding the mishandling of my debt validation request and the inaccuracies in credit reporting by these entities. However, it is imperative to clarify several critical points and further actions that need to be taken to resolve this matter satisfactorily. 

1. Failure to Timely Respond to Debt Validation Request : Contrary to Omni Financial 's assertion in their response to you, my initial debt validation request was sent to XXXX XXXX XXXX on XX/XX/year>. This request was compliant with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which mandates a response within 30 days. Despite their legal obligation, neither Omni Financial nor XXXX XXXX XXXX provided a timely response. Their delayed response on XX/XX/year>, was well beyond the allowable timeframe, thus violating my rights under the FDCPA and making the alleged debt unvalidated. 

XXXX. Misleading Response and Incorrect Credit Reporting : Omni Financial 's response to you was misleading and inaccurate. They falsely claimed to have received my debt validation request on XX/XX/year>, which contradicts the evidence I provided confirming the XX/XX/year>, submission. This misinformation not only misguides the CFPB but also reflects a pattern of non-compliance and negligence. Furthermore, my credit report incorrectly lists the alleged account as a charge-off to XXXX XXXX XXXX XXXX This misreporting obligates Omni Financial and XXXX XXXX XXXX to provide documentation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which they have failed to produce. 

3. Illegal Request for Identity Verification : Omni Financial 's request for an FTC Identity Theft Report, drivers license, and a selfie holding my drivers license is not only unjustified but potentially illegal under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, and the Federal Trade Commission Act, 15 U.S.C. 45. Such demands for personal information without lawful basis raise serious privacy and compliance concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-06-27 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:
I am submitting this complaint again to address suspicious information on my credit report. The three credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Failure to comply will result in legal action. 
XX/XX/XXXXXXXX XXXX XXXX Balance : {$440.00} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$170.00} FXX/XX/XXXXXXXX XXXX : {$170.00}

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 2024-06-27 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:
I am submitting this complaint again to address suspicious information on my credit report. The three credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Failure to comply will result in legal action. 
XX/XX/XXXXXXXX XXXX XXXX Balance : {$440.00}XX/XX/XXXXXXXX Balance : {$170.00} XX/XX/XXXXXXXX XXXX : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Hi, Hope all is well with you and your family. 

We filled out a Request for Mortgage Assistance ( RMA ) with Select Portfolio Servicing ( SPS ) back in XX/XX/year> as our mortgage rate is 8.95 % and experiencing financial hardship. We submitted all required documents to complete the application. Underwriting keeps on rejecting countless documents asking for clarification and additional information, all of which we complied with. Submitted new documents that they required hoping it will get approved. Nevertheless, underwriting continuously reject the new documents. Each time, they will find an error on the documents. They dragged this process out for months. Each repeatedly asking for information that they already had. SPS ask that we submit new documentation as it out of date and needs to be within 90 days. Twenty calls with their customer service team never resolved the situation. We only missed ONE payment. On XX/XX/year>, demand notice was received that if we don't pay the due amount by XX/XX/year> they our property will go to foreclosure. 

It is clear that they have a policy to do everything possible to reject any RMA requests. They never intend to grant anybody mortgage assistance, which should be fraud, potentially class action fraud. 

Thank you for reading this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX Balance Owed XXXX {$1800.00} XXXX  XXXX Balance Owed : {$970.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} Chapter XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the reporting of my XXXX XXXX bankruptcy on my credit report. Recently, I contacted the bankruptcy court and was informed that my bankruptcy case was not ( and never are ) reported to the credit bureaus. Additionally, the bankruptcy court advised me to reach out to the credit bureaus directly to understand how my bankruptcy information was reported and identify the reporting entity. 

Here are the falsely verified accounts on my credit reports that pertain to or were part of the bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In each previous dispute, this information has been falsely verified. As per the Fair Credit Reporting Act ( FCRA ), I have the right to receive validation of these falsely verified accounts. Therefore, I kindly request that you investigate this matter thoroughly and provide the following information : Details of the validation process or procedure used by the credit bureaus to verify account information. 
Identification of the entity that reported this information.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the reporting of my XXXX XXXX  bankruptcy on my credit report. Recently, I contacted the bankruptcy court and was informed that my bankruptcy case was not ( and never are ) reported to the credit bureaus. Additionally, the bankruptcy court advised me to reach out to the credit bureaus directly to understand how my bankruptcy information was reported and identify the reporting entity. 

Here are the falsely verified accounts on my credit reports that pertain to or were part of the bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In each previous dispute, this information has been falsely verified. As per the Fair Credit Reporting Act ( FCRA ), I have the right to receive validation of these falsely verified accounts. Therefore, I kindly request that you investigate this matter thoroughly and provide the following information : Details of the validation process or procedure used by the credit bureaus to verify account information. 
Identification of the entity that reported this information.

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 2024-06-27 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: TX

Complaint narrative:
XXXX is reporting late payments up to 120 days past due from XXXX - XX/XX/XXXX as well as some in XXXX when my student loans were already transferred over to XXXX. XXXX has owned by student loan debt since XX/XX/XXXX and I have paid on time with them. I have disputed the late payments XXXX claims are they were not my loan provider when reporting late payments and they will not remove them.

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 2024-06-27 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: TX

Complaint narrative:
XXXX is reporting late payments up to 120 days past due from XXXX - XX/XX/XXXX as well as some in XXXX when my student loans were already transferred over to XXXX. XXXX has owned by student loan debt since XX/XX/XXXX and I have paid on time with them. I have disputed the late payments XXXX claims are they were not my loan provider when reporting late payments and they will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I received a gift card from my employer and have struggled to find places where the Amex Business Gift Card can be used without being declined. After nearly a year Im down to {$11.00} but cant get it to not be declined anywhere Ive tried. 
I tried XXXX, XXXX in person and online, XXXX XXXX  XXXX, XXXX, XXXX. They all get declined. 
I called support and they told me no refund, try another retailer. No help offered. 
This is a racket and they have a ton of money sitting in their account from people not willing to fight for their money. I want all of the money that was given to me. Let me spend it or send me a check!

Company response to consumer: Closed with monetary relief