vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
I use LEXINGTON LAw firm for credit repairs. My credit score went down instead of going up. I use them between XXXX or XXXX But they asked for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX I have beg you for years to expose the scammer that used my identity to get a loan and used credit cards in my name and you finally provided one of the perpetrators and you fail to put the information on the portal please put the details on the consumer Financial Protection Bureau Portal not just email to me but also post it here too. You are fraudulently telling me to use XXXX XXXX XXXX  last four numbers of their SSN number as password to get details again I don't know XXXX XXXX XXXX and never gave them any authorization. Please post the details on this portal. 


Email from XXXX Came to me- XXXX at XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX XXXX You appear to finally festing up and should follow FCRA.

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 2024-12-28 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: MI

Complaint narrative:
XXXX XXXX I have beg you for years to expose the scammer that used my identity to get a loan and used credit cards in my name and you finally provided one of the perpetrators and you fail to put the information on the portal please put the details on the consumer Financial Protection Bureau Portal not just email to me but also post it here too. You are fraudulently telling me to use XXXX XXXXXXXX XXXX last four numbers of their SSN number as password to get details again I don't know XXXX XXXX XXXX and never gave them any authorization. Please post the details on this portal. 


Email from XXXX Came to me- XXXX at XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number - XXXX XXXX You appear to finally festing up and should follow FCRA.

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 2024-12-28 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: CBC Companies, Inc.
State: MI

Complaint narrative:
XXXX XXXX I have beg you for years to expose the scammer that used my identity to get a loan and used credit cards in my name and you finally provided one of the perpetrators and you fail to put the information on the portal please put the details on the consumer Financial Protection Bureau Portal not just email to me but also post it here too. You are fraudulently telling me to use XXXX XXXXXXXX XXXX last four numbers of their SSN number as password to get details again I don't know XXXX XXXX XXXX and never gave them any authorization. Please post the details on this portal. 


Email from XXXX Came to me- XXXX at XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX XXXX You appear to finally festing up and should follow FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-28 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: WA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent inquiries have been made on my credit report. I am requesting that the following fraudulent inquiry be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Inquiry : XXXX. XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent inquiries have been made on my credit report. I am requesting that the following fraudulent inquiry be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Inquiry : XXXX. XXXX XXXX - XX/XX/year>

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 2024-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
first of all not accepting tha tyou simply close my complaints when XXXX XXXX tries to answer them and protect them they denied my loan mod immproperly breached their own TPP and whether he likes it or not i will fight this all the way and then some i will be requesting thru XXXX XXXX the re opening of my complaints. not letting this sit politicians involved it is wrong you let XXXX XXXX who is TELLING FAY SERVICING NOT TO ANSWER ME BUT TO SEND HIM ALL REQUESTS THAT YOU ACCEPT HIS RESPONSES IN LIUE OF THE COMPANY SAME COMPANY THAT SAID I HAD A CEASE AND DESIST A WHILE ABCK TO AVOID ANSWERING ME YET NEVER PRODUCED PROOF OF SAME SAME COMPANY WHO WONT PROVIDE VALIDATION OF DEBT STMTS EXPLANATIONS OF PAYMENTS I DONT TALK TO XXXX BECAUSE ITS A WASTE OF TIME HE THINKS HIS CLIENT IS GOING TO PREVAIL AND STEAL MY MONEY JUST BECAUSE YOU HAVE DONE NOTHING AND THE CASE LAW IS STILL BEING DEVELOPED THAT AFTER YOU DENY LOAN MOD IMPROPERLY AS THEY DID FAIL TO PROVIDE DEBT VALIDATION EXPLANATION OF PAYMENTS WHEN REQUESTED STMTS THAT SHOW CLEARLY ITEMIZED CORPORATE ADVANCES SO I CAN OBJECT I AM GETTING POLITICAINS INVOVLED SINCE YOU KEEP CLOSING THE CASE WITH HIS BS THAT IN NO WAY RESOLVES ANOTHING AINT STANDING. I AM GOING FAR WITH THIS SINCE NOT ONLY AM I SUFFICIENTLY DAMAGED AND BEEN WRONGED BUT THERE IS A NEED FOR OTHER PEOPLE THIS FORECLOSURE FILING WAS UN NECESSARY AS THEY WERE FOIND TO DO IN MASS AND IN MANY OTHER PLACES I WANT DEBT VALIDATION STMTS AND NO ANSWERS PROVIDED BY HIM HE DOE SNOT HAVE THE RIGHT TO TELL THEM TO FIELD ALL MY REQUESTS TO HIM SINCE THEY ARE LIARS AND HE IS THEIR HIRED HAND AND I REMAIN WITH NO INFORMATION FROM EXPLANATION OF CORPORATE ADVANCES I WILL CHALLENGE TO DEBT VALIDATION TO ANYTHING ELSE EXPLANATION OF PAYMENTS HE CAN SAY ALL DAY LONG THEY WERE SENT I HAVE ASKED TO BE RESENT AND BETTER YET EPXLAINED IN A WAY UNDERSTANDBALE. TO ME I AM DISBALED AND TRUAM OF THIS FORECLOSURE FRAUD HAS MADE IT WORSE. SINCE I HAVE BEEN CAUGHT UP INA A SOCIAL ILL PROFITABLE TO A LAWYER LIKE XXXX BUT BAD FOR ME AND MANY OTHER HOMEWONERS C AOMCPLIANT TO T DOJ WENT OUT ada MATTERS AMERICAN DISABILITIES ACT I WANT THE INFORMATION DETIALS EXPLANATION AND VALIDATION OF DEBT SO I CAN CHALLENGE IT. ITS IN Y ADVERSARY COMPLAINT AND BECAUSE ALL YOU DO IS CLOSE THE COMPLAINT WITH HIS USELESS ANSWERS THAT PROVIDE ME NOTHING TO WHAT I AM ENTITLED THEREBY RESOLVING NOTHING I AM GOING FURTHER. POLITICIANS HAVE MY COMPLAINT ABOUT THIS AGENCY AND WHY THEY MUST INTERVENE. I WANT THIS INFO. I WILL GO THRU XXXX TO RE OPEN AND investigate MY COMPLAINTS. YOUR WAY OF DOING THINGS BENEFITS FAY SEVRICING WHO HAS NOW BEEN CENSURED FINED TWICE BY YOU BUT NOT THRORUGHLY INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
XXXX is in default and contempt of court because they have intentionally not followed the XXXXXXXX XXXX instructions to commence arbitration for an alleged debt I do not owe. A case XXXX filed against me for a debt I do not owe was dismissed by the XXXX because we have a binding arbitration agreement that XXXX tried to ignore. I am attaching a copy of the case jacket proving the case was dismissed along with a the XXXX XXXX ordering XXXX the XXXX to commence arbitration. After the case was dismissed, XXXX got a different attorney ( XXXX XXXX ) from the same law firm XXXX and XXXX to use abusive and deceptive practices in violation of Sections XXXX and XXXX of the FDCPA to try to coerce me into paying a debt I do not owe. In this same communication from Attorney XXXX XXXX, XXXX and XXXX failed to include the standard mandatory disclosures regarding disputing and validating a debt that is required by Section XXXX of the FDCPA. This harassing communication from Attorney XXXX XXXX is in retaliation for a recent request I made to XXXX which was received on or about XX/XX/year> ( a copy of which is attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-12-28 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: MD

Complaint narrative:
I am filing this complaint because the creditor has engaged in unfair and misleading debt collection practices. Despite my efforts to resolve the outstanding balance, they have continued to report inaccurate information to the credit bureaus, which has negatively impacted my credit score. I have made multiple attempts to dispute the errors, but the creditor has failed to provide clear documentation or respond to my inquiries in a timely manner. Additionally, they have violated the Fair Debt Collection Practices Act ( FDCPA ) by making repeated harassing phone calls outside of allowed hours and failing to provide required validation of the debt.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase has restricted my account because of a check deposit that cleared. I would like my account closed and the money i have left in my account to be mailed in to me in a form of a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I have a dispute currently open with Ally Financial for a payment I sent to them certified mail that was dishonored. After I sent them the payment and they dishonored it, I sent them a notice of dispute of the current payment due and total payoff amount. XXXX XXXX  XXXX ( b ) States that they have XXXX  days to answer a billing dispute sent by mail. Ally Financial disregarded the billing dispute that I sent by certified mail. I filed a complaint with the XXXX. XXXXXXXX XXXX  XXXX ( d ) States that I have a right a to withhold disputed amount until the error is resolved and collection is prohibited. I'm receiving calls and receiving letters stating they will take actions and exercise rights under law including the right to repossess. This is in direct violation of XXXXXXXX XXXX  XXXX ( d ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief