vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 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: CA

Complaint narrative:
XXXX XX/XX/2024 ; UNAUTHORIZED ACCOUNT/ 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 2024-04-26 00:00:00
Product: Credit reporting 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 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: FL

Complaint narrative:
ON XX/XX/XXXX Experian, Credit COMPANY allowed someone to pull my credit report without my consent. I contacted Experian Credit bureau about the fraudulent activity, which was not made by me at the time of the hard inquiry. My credit account was frozen someone then unfroze my account, and was able to create an hard inquiry on my account XXXX on XX/XX/XXXX remove the hard inquiry from my account as a result of this fraudulent activity from the hard inquiry. It caused my credit score to drop from exceptional credit to very good credit. I have maintained my credit report and high standards to appear to lenders as exceptional credit. Now my credit is not exceptional any more due to fraud. I am asking experian to please give me back the XXXX points they took from my credit report. This is not fair and I am asking. Experian to make this right on their behalf of the company Experian

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 2024-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
Account name MONTEREY COLLECTION SVCS XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX This company has filed a negative debt collection to credit bureaus about me. I do not owe any debt as they claimed, there is no creditor - no loan- no mortgage. 

creditor they refer to is a XXXX time share membership which was purchased all cash, no debt owed. more importantly I have not give my social security to them since I paid all cash upfront 15 years ago. How XXXX obtained my social security is questionable and perhaps illegal. I request an immediate action to be taken on Monterey Financial services and demand proof how they obtained my social security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NJ

Complaint narrative:
Mortgage is not escrowed. Insurance company for a period of a month and few days, XXXX to XXXX 2023, like most insurance companies, of late, out of nowhere dropped insurance on property without due cause. In that time period a new insurance company and policy had to be secured and was secured. The {$670.00} mortgage payment for XXXX, XXXX and XXXX has been paid. This matter is being disputed with all credit bureaus but credit bureaus are only contacting customer service and the matter goes much deeper than getting a customer service rep to pull up the acct on screen and saying yes the mortgage is owed. A deeper dive into the history of this problem needs to be done. XXXX XXXX rep XXXX XXXX for further information. The run of the mill service rep at the XXXX number can not provide accurate information regarding this issue. A dispute will continue to be filed until this matter is favorably resolved.

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 2024-04-26 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: NY

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am writing you due to an item on my credit file. You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. I have already submitted a dispute with XXXX that was approved and to be deleted from my credit report. Also the following information across all XXXX Bureaus does not match and is incorrect. The dates the accounts were opened are incorrect. The last verified dates on the accounts are incorrect. The account status is incorrect. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 
Dispute Reason : The accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, OR INCOMPLETE. 
I'm certain you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I am requesting validation of this debt through that XXXX. I am requesting that I am indeed the person you are asking to pay this debt and there is some contractual obligation which is binding me to pay this debt. I hereby demand that you produce for my inspection, an original contract that establishes the existence of a debt to which I am obligated to you or your principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
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. XXXX XXXX XXXX is reporting a charge-off to my credit report that is not even their debt because they have sold the debt to a debt collector ( see attachments ). That makes the account on my credit report inaccurate and this account must be deleted.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Early Warning XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX Dear sir, I have received an email which had two attachments regarding the XXXX XXXX XXXX. Dispute Case ID is XXXX, and account # is ending number of XXXX. As one victim of fraud, I do not believe the written addresses because I am not sure whether my personal documents have been arrived to the office. In this letter, your company employee stated the reinvestigation confirmed that the information in my file was accurate ; however, I have received two different documents around the end of XXXX. I want to know why you can say my file is accurate without proving and showing me which file is accurate. Since one of the files is difficult to understand, I request the explanation to understand myself. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-26 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: MA

Complaint narrative:
Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX MA, XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX MA, XXXX XXXX ID # XXXX Multifamily XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX WAY XXXX MA, XXXX Address ID # XXXX Single family ( XXXX XXXX XXXX Residential Spouse or Co-Applicant XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Account Info Account Name XXXX Account Number XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer In accordance with the Fair Credit Reporting act. The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.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 advance 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 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 2024-04-26 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: MA

Complaint narrative:
Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX MA, XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX MA, XXXX XXXX ID # XXXX Multifamily XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Single family ( XXXX XXXX XXXX Residential Spouse or Co-Applicant XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Account Info Account Name XXXX Account Number XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX XXXXS Account Number XXXX Account Type Debt Buyer In accordance with the Fair Credit Reporting act. The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.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 advance 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 explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Southwest Stage Funding
State: TX

Complaint narrative:
The lending company sent me an email with a link that would allow me to go over the loan documents and e-sign them. I followed all the instructions and reached out to the loan officer to let them know I couldn't access the documents. She went back and forth with me and I was still never able to look at the documents. They say they had the wrong email address and couldn't go in and correct it. Now I have all these charges and no one can tell me what they are for. I would've never agreed to discount points that INCREASED my interest rate, along with prepaid finance charges, seller paid closing costs which actually added to the price of the home, origination fees, that I have no idea what they cover... we're talking about more than {$23000.00} in fees. The house was quoted at XXXX. I put XXXX down. With all these extra fees and point and credits, the XXXX house turned into a {$180000.00} house. And no one seems to be able to provide this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2024-04-26 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$550.00}, XXXX XXXX  XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX  Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX  XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$520.00}, XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX XXXX : {$1800.00}, XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, Portfolio Recovery A XXXX Balance : {$1500.00}, and XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} 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 2024-04-26 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX XXXX Balance XXXX {$520.00}, XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX  XXXX Balance : {$1500.00}, and XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX

Company response to consumer: Closed with non-monetary relief