vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Re : XXXX XXXX XXXX XXXX XXXX XXXX Dispute Regarding Misreporting of Loss Mitigation Payments Account Number : XXXX To Whom It XXXX Concern : I am writing to formally dispute the inaccurate reporting of my mortgage payments under the loss mitigation agreement signed on XX/XX/XXXX. Despite my compliance with the agreement and timely payments as required, these payments have been inaccurately reported to credit reporting agencies as delinquent, late, or otherwise in default. This misreporting has negatively impacted my XXXX XXXX and hindered my ability to secure better financial opportunities for my mortgage and other needs. 

On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, who incorrectly stated that I was delinquent, ignoring the terms of the agreement. She also advised me to request a certification from the bank but indicated no corrections would be made to the credit report. This lack of transparency and failure to address the issue has caused undue stress and financial harm. 

Under federal regulations, 12 CFR 1024.41 ( c ) ( 2 ) ( iii ) explicitly states : Payments made under a loss mitigation agreement must be properly applied as agreed in the terms of the arrangement ( see agreement attached ). Borrowers can not be classified as delinquent solely because they are making reduced or modified payments under such an agreement.

Please note that the above-mentioned payments are not reduced from prior loan, but higher.

Furthermore, 12 CFR 1024.41 ( f ) ( 2 ) prohibits the reporting of delinquency during forbearance or repayment plans when a borrower is in compliance with the agreement. As I have complied fully with the loss mitigation terms, the reported delinquencies and negative credit reporting violate these protections. 

I respectfully request that XXXX XXXX : XXXX. Immediately correct the inaccurate reporting to all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
2. Provide me with a written confirmation that the corrections have been made.

3. Ensure that future credit reporting reflects my compliance with the loss mitigation agreement.

4. Provide a detailed account history showing how my payments were applied to confirm compliance with federal regulations.

If this matter is not resolved promptly, I may file in addition to this complaint with the Consumer Financial Protection Bureau ( CFPB ), other complaints with other regulatory bodies, as well as consider further legal action to protect my rights. 

Thank you for your prompt attention to this issue. I look forward to your resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 formally dispute an error on my credit report. Upon reviewing my credit file, I have identified incorrect information that is adversely affecting my credit standing. Specifically, [ describe the inaccurate information, such as an incorrect account, late payment, or balance discrepancy ], which does not accurately reflect my credit history.

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 2025-01-28 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: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-28 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$150.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$630.00} Open Date XX/XX/XXXX XXXX  Balance {$440.00} Open Date XX/XX/XXXX XXXX Balance {$350.00} Open Date XX/XX/XXXX XXXX Balance {$330.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/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 2025-01-28 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: TX

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT XXXX  RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account XXXX XXXX  XXXX is paid off on XXXXXXXX Equifax, and XXXX. Also payment history is inaccurate across all 3 bureaus '. They are showing 120 days past due when I in fact have been on time through the entirety of the debt. It is not possible to report 120 days late when neither bureau reported this account 30 days late. This ultimately stopped me from acquiring credit and this account should be removed immediately due to their negligence of credit reporting accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
This account XXXX XXXX XXXXXXXX is paid off on Experian, XXXX, and XXXX. Also payment history is inaccurate across all 3 bureaus '. They are showing 120 days past due when I in fact have been on time through the entirety of the debt. It is not possible to report 120 days late when neither bureau reported this account 30 days late. This ultimately stopped me from acquiring credit and this account should be removed immediately due to their negligence of credit reporting accuracy.

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As I was checking out my credit profile I came across some inquiries that didn't belong to me.

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 2025-01-28 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
The most logical and fair resolution to this matter is to completely block or remove this negative information from my credit report. As someone who has diligently followed the proper steps to address these inaccuracies, its deeply frustrating and disheartening that these issues remain unresolved. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is both accurate and free from unverifiable or incorrect information. This continued inaction not only violates my rights but has also placed an overwhelming strain on my finances and well-being. I strongly urge you to take immediate and decisive action to correct this by removing these damaging items from my credit file.

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit or XXXX, XXXX XXXX XXXX have reporting open balance & stating they anre original creditor, which has not been validated by any means. Also have communicated with family members on several occasions, left threatening messages, along with reference or account number on their voicemails on XXXX XXXX XXXX  XXXX at XXXX XXXX 3 Relatives or persons on XXXX at XXXX XXXX, another at XXXX XXXX, and another at XXXX XXXX  on XXXX which violates 15 USC 1692c ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV funding purchased debt from XXXX XXXX from an account that was suppose to fall off my credit in XXXX. As it has been over they seven year mark of the debt. I have still been receiving calls after I've told them to not contact my number and now my father has been getting calls as well. And i believe that is against the law from my understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
Applied through XXXX for XXXX XXXX and Equifax reported a XXXX for credit score. That is so inaccurate and misleading. Along with that it keeps saying there is a public record for reasoning which is NOT on my credit report. They are ruining my credit score! Please help, this is so not fair to portray the wrong numbers and hold people back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I discovered errors on my credit report involving accounts that do not belong to me and for which I have no knowledge, relationship, or prior authorization. The accounts in question are reported by XXXX XXXX XXXX ( Account Number : XXXX ) and XXXX XXXXXXXX XXXX ( Account Number : XXXX ). 

These accounts appear to have been placed on my credit report without my explicit written consent, which violates the permissible purpose requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. I have never engaged in any transaction or relationship with either XXXX XXXX XXXX or XXXX XXXX XXXX that would justify these accounts being reported. 

In addition, I have never provided written authorization for these entities to access or report information on my credit report. I believe this is a clear violation of my rights under the FCRA. I have attempted to address these inaccuracies by disputing them with the credit reporting agencies, but the accounts remain on my credit report despite their lack of verification or validation.

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 2025-01-28 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: GA

Complaint narrative:
I discovered errors on my credit report involving accounts that do not belong to me and for which I have no knowledge, relationship, or prior authorization. The accounts in question are reported by XXXX XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX XXXX ( Account Number : XXXX ). 

These accounts appear to have been placed on my credit report without my explicit written consent, which violates the permissible purpose requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. I have never engaged in any transaction or relationship with either XXXX XXXX XXXX or XXXX XXXX XXXX that would justify these accounts being reported. 

In addition, I have never provided written authorization for these entities to access or report information on my credit report. I believe this is a clear violation of my rights under the FCRA. I have attempted to address these inaccuracies by disputing them with the credit reporting agencies, but the accounts remain on my credit report despite their lack of verification or validation.

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 2025-01-28 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: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MO

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT XXXX RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY 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 non-monetary relief