vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: KS

Complaint narrative:
I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
ACCORDANCE WITH USC 1681a2 1 DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESSES NAMES TO BE FURNISHED ON MY XXXX TRANSUNION XXXX CONSUMER REPORT ACCORDANCE WITH 15 USC 6801 a b XXXX XXXX XXXX XXXX PROTECTION OF NON -PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE of personal information USC 6803 I never signed any disclosures forms given written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
ACCORDANCE WITH USC 1681a2 1 DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESSES NAMES TO BE FURNISHED ON MY EQUIFAX XXXX XXXX CONSUMER REPORT ACCORDANCE WITH 15 USC 6801 a b 1 2 3 4 PROTECTION OF NON -PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE of personal information USC 6803 I never signed any disclosures forms given written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
According to the Fair Credit Reporting Act, FCRA Section 6:05 B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report. Thank you! Some of these items and also from closed accounts. 

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CCS Financial Services, Inc.
State: MS

Complaint narrative:
According to the Fair Credit Reporting Act, FCRA Section 6:05 B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report. Thank you! Some of these items and also from closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number XXXX XXXX Date of Charge Off : XX/XX/year> Amount : {$670.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, 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 2024-08-16 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: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$670.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, 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 2024-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Since XXXX of 2024, I have been attempting to resolve an issue with NewRez home loans. They placed mortgage lender insurance on my loan even though I provided proof that I had insurance and submitted to them. They admitted that they did not apply my insurance to my account. Since then my payment was increased without justification. They have stated that I have an escrow shortage which is not the case. I closed my account a year prior to their acquisition of my loan. I have called countless times ( no exaggeration ) and spoken to many supervisors who promised me they would get this handled. however, they never contact me back despite many threats to them that I would report this company for fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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:
I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your help in addressing and resolving this situation swiftly and efficiently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
ACCORDANCE WITH USC 1681a2 1 DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESSES NAMES TO BE FURNISHED ON MY XXXX XXXX EXPERIAN CONSUMER REPORT ACCORDANCE WITH 15 USC 6801 a b 1 2 3 4 PROTECTION OF NON -PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE of personal information USC 6803 I never signed any disclosures forms given written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I performed my obligation to settled the account. I instructed the company to send to legal department or indentured trustee who handles registered securities and process them. It was also in the instructions if I missed a step or made an error to write me back through mail to fix the issue in order for them to process and settled the account as accord and satisfaction. I am willing to correct the error if they can inform me on it. This has become a billing error and my account is not reflecting the correct amount that the interest be applied to the principal 's account to set it off and bring it to zero.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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:
To Whom It XXXX Concern : I am writing to formally complain about Experian 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX account, number XXXX. These errors are negatively impacting my XXXX XXXX. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ), Experian is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment records are incorrectly reported on my credit report : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late These inaccuracies must be corrected, and I request their immediate removal from my credit report. 

I formally request that Experian provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I just checked my credit report and found some accounts that arent mine. Please remove these fraudulent accounts as they're affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
To whom it may concern. Accounts spring oaks capital LLC {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX  {$2900.00} I have received a copy of my credit report. To my surprise you are reporting this accounts incorrectly. This collection accounts are reporting not only open but also show past due balances. According to FCRA I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I submitted a credit application contract to XXXX XXXX XXXX XXXX  on XX/XX/year> for $ XXXX to purchase a new vehicle. The application is a security that was signed by the agent for the principal and transferred to Ally Financial. Ally Financial is registered with the SEC and says in their own prospectus that the credit applications are securitized, counted as receivables and traded. As the signer I have a security interest in the security and Ally Financial has refused to transfer the funds for the consumer to purchase a vehicle and kept the security committing securities fraud violating Securities Exchange Act and the Uniform Commercial Code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NJ

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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:
I noticed something strange when applying for a financial product. I started the process of filing an identity theft report with the FTC, and began freezing all of my credit reports, which meant creating accounts for the first time with each of the three credit reporting entities.

Everything was fine except for Experian. When I tried to create an account, it said there already was an account using my e-mail. When I tried to use a " forgot password '' link and send a one time code to my phone or email, nothing ever arrived. Eventually, I used a secondary e-mail address to create my account and freeze my credit, and then from there change my email address to the one I tried to sign up with in the first place. This seems to indicate that anyone who has gotten my information from a data breach has free reign to create havoc at Experian, but maybe I'm missing something. 

Either way, when trying to address this issue, there is XXXX XXXX for fixing it. All of the available phone numbers I have found ( XXXX different numbers ) all lead to automated phone services that direct me to the website, but no way to contact anyone regarding this issue. The other credit reporting entities do not seem to have this problem. Experian is avoiding consumers and exposing them to financial risk by not giving them a clear and concise way of addressing issues. They are neglecting their duties by doing this and need to be audited and held accountable. 

Here are the numbers I tried, please see for yourself : XXXX ( the customer service line, no customer service personnel ) XXXX ( the fraud line, with no connection to fraud department ) XXXX ( Supposedly a business account line, same prompts, by saying " transfer me '' I did get the automation to state it can only transfer to a XXXX in specific circumstances with no further explanation ) XXXX ( CA XXXX XXXX, I get hold music by saying I am a business account but no one is answering ) XXXX ( Another false business accounts line ) XXXX ( Fraud Detection with no fraud department connection, automated ) XXXX ( Technical Support with no technical support personnel ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
date open XX/XX/XXXX, amount {$13000.00}. statues update XX/XX/XXXX false statement last payment date XX/XX/XXXX, i have never done business with. i report this to FTC XXXX XXXX XXXX is putting fraud reporting on my report. Section 605b focuses on blocking information on a consumers credit report that is the result of their identity being stolen. In simpler terms, if a particular consumer can show proof that a negative item or multiple items on their credit report are inaccurate due to identity theft, the credit bureau is legally obligated to either remove or block that information from their current 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Despite my multiple attempts to dispute this item ( XXXX XXXX ) and providing supporting documentation such as evidence and police reports the issues have not been resolved. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me. I request that these items be investigated and corrected as soon as possible. Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Below is an attached copy of my report for your reference. Thank you for your prompt attention to 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 2024-08-16 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: TX

Complaint narrative:
Despite my persistent efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. These erroneous entries continue to severely disrupt my life, causing substantial distress. I must emphasize that I never authorized or consented to the inclusion of this information in my file, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Given the nature of the recent social security number leak, I decided to freeze my credit score at all three reporting companies. Making accounts with XXXX and XXXX was easy, and it took about 20 seconds to freeze my credit with both of them. 

On XX/XX/year> I attempted to make an account with Equifax and was met with an error screen stating : " We can't complete your request at this time. Please call the Customer Care team ''. 

On XX/XX/year> I tried to call customer support. After initial verification with the automated system, I was left on hold and was unable to reach customer support. I have since tried to make my account multiple times and have run into an error each time, and the phone systems never seem to lead to an actual person.

Company response to consumer: Closed with explanation