vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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 have requested directly to XXXX XXXX that 2 different accounts be removed from my report ( s ), as that they allowed the accounts to be opened using my information, despite my credit being frozen. I provided all the information from Experian that was provided to me. I filed disputes with Experian as well. 

The first dispute through Experian ( first account ) got denied, with XXXX stating the information was accurate. It is not. This account was opened on XX/XX/2024 ( while my credit report was frozen ) with an original balance of {$370.00}. It was closed some time in XX/XX/2024. No late payments, but also not an account that I opened. 

The second dispute through Experian ( second account ) is in progress and XXXX has also opened an investigation, but I have little confidence that the result will be any different. This account was opened on XX/XX/2024 ( while my credit report was frozen ) with an original balance of {$1300.00} and a current balance of {$1200.00}. This account remains open, had several payments made on time, but has now become at least 30 days past due as of XX/XX/2024. This is heavily impacting my credit score. 

I did not open these accounts. I have been the victim of identity theft for over 7 years now and XXXX is the only company that has caused issues with correcting the fraud. Considering the data breach they experienced, one would think they would understand how identity theft works and make efforts to correct it when it happens to victims. 

My credit reports have been frozen for many years. Further, on Experian I have a fraud alert on my report ( as of XX/XX/2024, well BEFORE either of these accounts were fraudulently opened ). 

XXXX needs to correct these instances of fraud and have the information they falsely reported to Experian ( and any other credit bureaus ) removed. Further, they need to actually respect the fact that I have a credit freeze on my reports and stop giving this thief accounts/money. 

At this point, I consider XXXX XXXX complicit in allowing these fraudulent account creations and their continued existence. I would highly recommend anyone entertaining the idea of doing business with XXXX to avoid them at all costs.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Company reported account # XXXX as charged off available credit as {$4400.00}, reported balance as {$280.00}. If it is charged off, I should have received a 1099-C and it my balance should be {$0.00} and not be showing on my credit report as been owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/year> we lost our home to a huge house fire. We contacted our mortgage company shellpoint on XX/XX/XXXX and they sent a rep out on XX/XX/XXXX, they took pictures and said that this was a total loss. We also found out that they had placed a hazzard insurance policy on our home with them ( Shellpoint ) as the only one covered and the policy holder. We only owed XXXX dollars left on the home at the time of the loss. We reached out to XXXX XXXX XXXX XXXX because that was the insurance company listed on the policy to find out what was going on. They stated that they sent a check out on XX/XX/year> that would cover the pay-off of the loan, plus additonal funds. However it has yet to be applied to the balance of our loan for the complete pay-off. This home is a mobile home and can not be rebuilt nor do we wish to, so there is no reason at all for shellpoint to be holding on to this check, and for us to keep continuing to make mortgage payments on this completely burned home. We have made XXXX more payments on this home since its burned down, and the mortgage company is sitting on a XXXX dollar check. We believe they are doing what we call double dipping which is illegal. We can not buy another home with this open mortgage loan.

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 2024-11-16 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: CA

Complaint narrative:
I cosigned loans for my granddaughter, and she has been in forbearance with XXXX XXXX XXXX since XXXX of XXXX, because she was struggling to find a job post-graduation. She was enrolled in their XXXX XXXX XXXX, and ended enrollment in XXXX of XXXX. She was then put on a month-to-month forbearance program, where she would have to call each month to get an extension. She called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the beginning of XXXX I received notice from my credit company that there were default of payment 's sent to the credit bureau. She has been in forbearance the entire time and was not required to be making payments, per the rules of XXXXXXXX XXXX forbearance program. When she reached out to XXXX to understand why they reported to the bureau, they stated they " have no idea and it is not our problem to fix. '' They did offer a consolation prize for their mistake, and they put her on a new XXXX forbearance program, which she is currently still enrolled in. I am writing this complaint, as XXXX has been extremely aggressive and threatful to her during this entire process, and at times have even yelled at her that they will " take everything I own or my co-signer owns. '' We have been nothing but terrified of XXXX and it caused her to experience major anxiety and panic during every phone call she had with them. 
At the beginning of this month the loans were sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for her loans. They also stated that the treatment we got from XXXX is unprofessional, unjust, and unfair, and it was XXXXXXXX XXXX responsibility to remove it from mine and hers credit since she was in a lawful forbearance program and it was XXXX XXXX error. XXXX is just refusing to do so. XXXX advised her to reach out to a manager at XXXX, and when she reached out they stated it was " not our problem we sold your loan to a different company. '' She then called XXXX and let them know the unlawful treatment she received yet again, and they advised her to reach out to CFPB and submit a complaint. 
This is causing unnecessary stress for me right now as I am going through XXXX treatments. This has gravely impacted my credit score, aad going through treatment my cards are now being declined. I am in need of assistance in trying to remove the default notices on both of our credit reports. I do not understand how a loan company can get away with such maltreatment of their customers, and I am very hopeful someone can help from CFPB. I would appreciate if this could be done promptly, due to the financial impact it is having on me receiving my XXXX treatment.

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 2024-11-16 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: GA

Complaint narrative:
I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XX/XX/XXXX by XXXX XXXXXXXX XXXX I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XX/XX/XXXX by XXXX XXXX XXXX In XX/XX/XXXX, I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XXXX by XXXX XXXX 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 2024-11-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX  # XXXX XX/XX/XXXX Inquiries XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: FL

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Full Circle Financial Services, LLC
State: DE

Complaint narrative:
I was sent a notice from a debt collector company named Full Circle Financial Services , LLC who is collecting a debt for XXXX, XXXX ( another debt collector ) regarding my account with XXXX. I did not realize this was a debt notice and that the notice had a dispute date that expired on XX/XX/XXXX. There was no other conact regarding this account and the debt from the second company involved, XXXX, XXXX. I did receive emails from XXXX  in regards to statements about how much was owed and that I was in arrears, thus heading for collections or in collections regarding this account. While doing my due diligence, in regards to researching the XXXX  account information and in regards to the amount that I actually owe on the account, I noticed a major discrepancy regarding the amount owed and the " as of '' date. The " attempt to collect notice that I received states that as of XX/XX/XXXX the amount that I owed was {$1400.00}, however while looking over the statements and researching those statements date by date and amount by amount, I found that the amount that I owed as of XX/XX/XXXX was drastically different from the amount on the " attempt to collect notice ''. The amount that my statement that is even close to the date of XX/XX/XXXX, is the statement dated for XX/XX/XXXX with a due date of XX/XX/XXXX and a total current loan balance of {$830.00}. The balance that is stated as the " as of amount due '' on the " attempt to collect notice '' from Full Circle Financial Services , LLC collecting for XXXX, XXXX collecting for XXXX, is the current loan balace for the statement dated XX/XX/XXXX and has a due date of XX/XX/XXXX in the amount of {$1400.00}. Not only have I enclosed all the statements from XX/XX/XXXX up through XX/XX/XXXX, I have also included the " attempt to collect notice '' from Full Circle Financial Services , LLC collecting for XXXX, XXXX collecting for XXXX. The XXXX statements in question and the " attempt to collect notice '' from Full Circle Financial Services , LLC collecting for XXXX, XXXX collecting for XXXX, showing the close to {$600.00} discrepincy/fraudulant amount due based off the " as of date '' of XX/XX/XXXX, are all highlighted and starred for easy accessability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
inaccurate information begin reported with inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
inaccurate information begin reported with inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
not authorized inquiries on my XXXX 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 2024-11-16 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: CA

Complaint narrative:
I am writing to formally dispute the inaccuracies and inconsistencies present in the reporting of the XXXX XXXX account ( # XXXX ) on my credit report. Upon careful review of my credit file, I have identified several XXXX XXXX compliance violations that require immediate rectification. 
Identified XXXX XXXX Noncompliance Violations : XXXX. Incomplete Data Reporting : o Experian has omitted critical data fields such as balance, account status, payment frequency, and other required information. These omissions are in direct violation of the XXXX XXXX format and 15 U.S.C. 1681e ( b ), which mandates accurate and complete reporting. 
XXXX. Inconsistent Reporting Across Bureaus : o XXXX reports the account status as " Negative, '' while XXXX reports it as " Positive. '' Experian has failed to provide any status. This inconsistency is a violation of the FCRA and XXXX XXXX standards for uniformity in credit reporting. 
XXXX. Incorrect Account Status : o XXXX reports a balance of {$2200.00}, which is missing from Experian. This discrepancy fails to reflect accurate information and violates 15 U.S.C.

1681e ( b ). 
XXXX. Missing Payment Status : o Experian has not provided any payment status, creating an incomplete and misleading representation of the account. 
XXXX. Omission of " Date of Last Activity '' and " Date Reported '' : o Experian has failed to include these crucial dates, violating XXXX XXXX guidelines and impacting the proper aging of the account for statute limitations. 
XXXX. Non-Uniform Creditor Comments : o XXXX includes the comment " Credit card, Amount in H/C column is credit limit, '' which is absent in Experian and XXXX. This lack of uniformity misrepresents the account details and violates XXXX XXXX standards.

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 2024-11-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report. As a victim of a data breach, I have discovered fraudulent activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and XXXX ( b ), I am entitled to have these items blocked and removed. 
Fraudulent Accounts to XXXX and Delete : XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$8700.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1000.00} Fraudulent Inquiries to Block and Delete : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My information was exposed in the data breach and i contacted Equifax about this problem a couple of times. And i need to remove this off my credit report within 4 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I had additional fees added to my contract. A service contract which I never used was added in order to get the loan. I was told that the down payment was XXXX price then when I went to pick up the suv i was told that I had to pay more toward the down payment in order to drive off.

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 2024-11-17 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: NC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation!

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-11-17 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: NC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX  I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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