vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  ( account number XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  ( account number XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AL

Complaint narrative:
I would like this to be remove from my credit report immediately this has ruined my credit please remove these items immediately XXXX XXXX # XXXX amout of {$270.00}. XXXX XXXX .acc # XXXX .amount of {$430.00}. XXXX. XXXX XXXX. XXXX # XXXX .amount of. {$3900.00}. XXXX XXXX XXXXXXXX, XXXX # XXXX .amount of {$340.00}. XXXX. XXXXXXXX XXXX XXXX XXXX .acc # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
Called Mohela about my student loans on XXXX at XXXX XXXX. I XXXX  got a specialist who told me I need to talk to someone else and they transferred me and I am still on the phone on hold. I called on my wifes phone and got through. This is unacceptable being put on a hold to know where call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NV

Complaint narrative:
To my dismay, I noticed inaccurate accounts on my credit report today, something I never expected to see. Checking as part of my normal routine, I was startled to encounter these errors that seemingly appeared out of nowhere. I tried refreshing the page, thinking it might be a simple error, but nothing changed. Im requesting a thorough examination of the documents Ive provided so that this issue can be rectified and I can move forward without further concern.I

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 2024-11-19 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: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This inaccurate public record has been reported on my credit report even though I have no idea about this. Please thoroughly check the documents I've sent about this.

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 2024-11-19 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: AL

Complaint narrative:
I cant believe what I saw when I checked my credit report this morning. There are inaccurate accounts showing up, and I have no idea why theyre there. I check my credit report regularly, but this time, there were discrepancies out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the accounts stayed there. The issue didnt go away, and Im left feeling completely confused and frustrated. Please make sure the documents Ive sent are thoroughly reviewed so I never have to worry about this again.

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 2024-11-19 00:00:00
Product: Mortgage — FHA 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH has been preventing me from my phone appointments on purpose. I have a scheduled appointment for XXXX. No one called me and I recorded all my calls that proved Im being treated poorly and lied to. I am suppose to be offered a repayment plan today after emailing over my profit and loss statement. No one is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I Do not believe the debt that is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
I'm a victim of identity theft, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquire 's and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within XXXX  days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. Thank you for your attention and assistance in 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 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I had a chase student card from a checking account I opened in XXXX of either somewhere between XXXX of that year, I started to personally use my credit card in the beginning of XXXX but once I moved from college after my last semester my card was lost the week prior and never noticed until I moved, I immediately did my best to make light of this situation to the bank but they gave me a run around and I decided not to pay off something that is stolen. I also have student loans from a school I got kicked out from academically, that was the only time I took a loan out and ended up not going to the school

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: BEAL FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I received a bill that my future bill will be higher. I reached out to MGC. They paid the taxes again, we made a payment at the end of XXXX. MGC begin making payments in XXXX on our taxes. We filed a complaint last year regarding the same thing. Complaint # XXXX Our bill should be {$330.00} monthly. Each month, they send a different amount. The last certified mail XX/XX/XXXX was for {$1300.00} for XXXX & XX/XX/XXXX. 

XXXX XXXX email MGC mortgage copy receipts for the taxes we paid. Told it would take XXXX business days. 
Follow-up - No request was submitted by MGC had to resubmit and wait another XXXX business days. 
XXXX XXXX receiving calls from MGC regarding delinquent account. Ask about request, they were able to confirm we paid our taxes. 
I was told by representative a refund request from XXXX XXXX was placed. Once they receive payment they will be able to adjust to correct payment. 
XX/XX/XXXX, XXXX Received another certified letter from MGC/ several calls. 
I called a spoke with representative who stated she doesn't she a refund. I still own the balance. I believe they did not submit a request to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXX XXXX and XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home 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: CA

Complaint narrative:
I'd like to reopen complaint case XXXX. 
This was recently closed. The response from the company and subsequent communication does not actually and correctly address the issue and questions i detailed in my complaint.

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 2024-11-19 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: MS

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report related to the account listed as XXXX ( Account # XXXX ). Upon reviewing my credit report, I have identified discrepancies in the reporting of this account by XXXX, Experian, and XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report must be accurate, complete, and verifiable.

Below are the specific discrepancies I have identified : 1. High Balance Discrepancy : XXXX and Experian report the high balance as {$7400.00}, while XXXX lists it as {$6100.00}. Please verify and correct the accurate high balance for this account across all reporting bureaus. 
2. Last Activity Date : XXXX lists the last activity date as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. Experian does not include a last activity date at all. I request verification and correction of the accurate last activity date for this account. 
3. Resolution Remarks : XXXX indicates payment after charge-off/collection purchased by another lender, while XXXX states, account transferred or sold ; paid charge-off. These conflicting remarks suggest reporting errors, which must be clarified and updated with consistent, accurate information.

4. Last Payment Date : Experian reports a last payment date of XX/XX/XXXX, XXXX reports XX/XX/XXXX, and XXXX provides no last payment date. This inconsistency must be reviewed, and the correct last payment date should be uniformly reported. 
5. Payment History Reporting : XXXX and Experian provide no two-year payment history, while XXXX shows inconsistent statuses ( e.g., delinquent vs. OK ). This irregularity must be resolved to ensure an accurate record of the accounts payment history.

6. Account Classification : XXXX lists the account as Auto Dealers, Used, while XXXX categorizes it as Auto Financing. These conflicting classifications must be reviewed and corrected.

I request that you investigate the discrepancies listed above and provide me with a corrected credit report. Additionally, please supply me with documentation verifying the accuracy of the information currently being reported or remove any unverifiable information from my credit file in compliance with the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response. Please complete your investigation and provide me with the results within 30 days, as required by the FCRA. 

Sincerely, 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 2024-11-19 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
WHILE REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL UANAUTHORIZED INQUIRES. I DID NOT PROVIDE CONSENT FOR ANY OF THE LISTED COMPANIES TO CONDUCT INQUIRES ON MY BEHALF.

Company response to consumer: Closed with explanation