vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to report fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me, causing significant distress. I have taken immediate action to report this as identity theft. I kindly request your cooperation in investigating and removing the fraudulent information from my credit report and other records. I am willing to provide evidence and take legal action if necessary to protect my rights and seek compensation. Your prompt attention to this matter is appreciated. Thank you for your assistance in resolving this promptly.

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 2023-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IA

Complaint narrative:
XX/XX/XXXX I disputed account Jefferson capital for the amount of {$840.00} stating as date open XX/XX/XXXX because I do not recall having this account open. I have disputed asking to verify debt or delete immediately. Credit report shows that account has been disputed, but I have not been notified that account investigation has started nor have I received any sort of documents stating that account has been verified as mine. I have not heard back from bureaus or creditor. This account is not mine. For that reason I have asked to verify or delete immediately. More than 30 days have passed, and I have not heard back from anyone regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I recently had my credit report pulled for a potential mortgage loan. On my Experian credit report, it shows that I am an authorized user on a XXXX XXXX credit card that is open and active. This card was opened XX/XX/2012. At the time I was a minor, XXXX XXXX XXXX and a ward of the State of California, in the foster care system. I have never authorized my information to be used with XXXX credit cards. The credit card currently has a {$9900.00} balance which is severely damaging my credit and ability to buy a home. I repeatedly called XXXX to resolve the issue, however they are unwilling to help me without a full account number, or full name and social security number of the primary account number. I have no access to that information since my name was used fraudulently on this account. XXXX refused to help me or remove this fraud even though it shows on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT XXXX XXXXXXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, 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 have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I have already contacted you as well about this problem yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. It is XXXX XXXX XXXX XXXX XXXX loan, Date opened XX/XX/2022.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a letter to Experian letting them know that the addresses that are listed on my credit report are inaccurate. I included documentation of my correct address as well as two additional forms of identification with the letter. Experian completed the investigation but did not remove the inaccurate addresses.

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 2023-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
This company is absolutely HORRIBLE. I'm not sure how or why they are able to continue to lie and falsely report bogus information to the credit bureaus as well as charge unexplained fees EVERY MONTH, lock me out of my account portal to possibly justify and put a date on my payments that they want, and doctor the date of my payment history as a result and take my money every month and lie about a bankruptcy the NEVER included any information regarding my current residence ( the address in question ), remove my information from the credit bureaus, All of these thing occur as retaliation for complaining and not getting timely or honest responses to my numerous complaints and never taking into consideration all of the evidence I provide to prove what I'm complaining about. After my last inquiry my mortgage has gone up a usury {$120.00}, when my insurance or my property taxes have not gone up. PLEASE HELP. I'm at my wits end and if you can not help please let me know who can. I'd also like to state for the record if I am in bankruptcy how and why was I able to get approved to do huge costly home improvements done to my home? How or why would I do this as well as pay the mortgage on time every month or care? When they were reporting I managed to get screenshots that are totally contradictory to what they are saying now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified item listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My mortgage was paid off following the sale of my home in XX/XX/2023. I had an escrow overage of {$1400.00}. I was issued a check in XXXX. My bank returned this check for insufficient funds//declined payment from the check issuer Nationstar Mortgage dba Mr. Cooper. I have attempted to contact Mr. Cooper several times to get this corrected, but can not get a reissued check sent to me. It is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I have tried a number of times to submit all the information I have that this was fraud and contacted each company like they have suggested and the companies will not do anything. So I am asking again please remove the fraudulent activity on my account. 

Or I will continue to file complaints against your company until it is resolved wither its the 2 year limit or you get tired of dealing with these complaints. Your Choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Report Date : XX/XX/XXXX CLOSED Account Status Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 
Details Payments Historical Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 72 MONTHS Purchased From Sold To Balance and Amounts Balance {$990.00} Credit Limit High Credit Available Credit Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Account - Closed Installment XXXXXXXX XXXX XXXX Item disputed Amount past due Date XX/XX/XXXX Update {$0.00} They are reporting a debt that is 8 years and 2 months old and past the 7 year FTC guideline for reporting a bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Wallet Stolen XX/XX/2019 resulting in fraudulent lines of credit being opened using my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am aware that Experian has been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using information that is available to everyone on the internet. They did not process my letters, and are violating 15 U.S. Code 5 1681i. Keep in mind, they are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you or they receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says I need to provide a Power of Attorney in order to delay processing letters from a consumer. If they do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will be ready to take legal actions myself or contact my lawyer to take legal action or in this case report they blatant disregard to the CFPB.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted Experian about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. 

Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. 

Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. 

I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description of the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, 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:
I have patiently waiting on their response to the written requests I sent. However, how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here are the list of items which are UKNOWN to me : 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 explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditors listed below during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 
( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

Account Name : XXXX XXXXXXXX Account number:XXXX  Inaccuracy Report Date : XXXX Late Payment Account Name : XXXX XXXX Account number:XXXX Inaccuracy Report Date : XXXX Charge off/collection. 

Account Name : XXXX  XXXX Account number:XXXX Inaccuracy Report Date : XXXX Late Payment Account Name : XXXX Account number:XXXX Inaccuracy Report Date : XXXX Late Payment/ Charge off. 

( II ) Covered period. 
The term covered period means the period beginning on XX/XX/XXXX, and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et se

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 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
on or about XXXX a company called XXXX XXXX XXXX charged my Aspire Credit Card ending in XXXX card {$56.00}. I did not authorize this purchase and did not receive any goods or services from this company. These purchases were also charged to my card and I did not authorize them. 
XXXX {$9.00} XXXX {$58.00} XXXX {$58.00} XXXX {$56.00} XXXX {$58.00} XXXX {$56.00} XXXX {$19.00} XXXX XXXX did not receive any goods or services and did not directly authorize this. 
I disputed the charges with my cc company. Aspire credit card originally refunded my account for 7 of the charges but denied my fraud claim for one of them. They closed my card and sent me a new one. The charge they denied was the exact charges of some of the others. I was pretty upset they denied this claim but was going to just roll with it. I log in to my account today to pay my bill and all the charges are there again and they are saying they denied my claim. I did not make these charges and did not receive anything in return. I closed the account and refuse to pay someone elses charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Applied for Loan Modification on XX/XX/XXXX. Sent additional documents on XX/XX/XXXX. Called XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to follow up. Was told that file was marked complete on XX/XX/XXXX. 

My hardship finances started before XXXX. Received forebearance during XXXX but had difficulty since i XXXX XXXX, my employer, reduced manpower 30 % for XXXX. Also I had to place my mom, co-owner of the mortgage, in assisted living XXXX, XXXX due to her health and falls. She had XXXX XXXX XXXX since XXXX. I am able to take care of my mom and not have her in assisted living which will allow more income to pay for the mortgage. 

I have a foreclosure date of XX/XX/XXXX.

Company response to consumer: Closed with explanation