vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-31 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: LOBEL FINANCIAL CORPORATION
State: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Acrisure Mortgage Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX ( my pay-day ) I tried to make a partial payment on my loan. As both my son and I are resposible for the loan. The web portal would not accept the partial payment. As their web portal is set for all or nothing. 
I called a representative and explained the way my budget and there are XXXX parties resposible for the loan. I can make half a payment now and my son would pay remainder from his bank account. I was told it would not be accepted. on XX/XX/XXXX I set up bill pay through my XXXX XXXX and I sent in the partial payment, and my son would do the same through his. On XX/XX/XXXX the electronc payment went to XXXX mortgage {$1100.00}. XXXX would have received it XX/XX/XXXX. I called XXXX to confirm on XX/XX/XXXX, which I was told they could not verify. I requested my credit union to please provide me with some proof of my payment. I was provided a trace # and please allow XXXX XXXX hours to confirm the payment was rcvd. I called XXXX on XX/XX/XXXX. I spoke with XXXX reps who were very explicit either all or no payment would be accepted in any format. I request to speak with a superviosr who would not take my trace #, would not look for my payment, would assist in any way. Just would not help in any way and additionally told me I needed to send in information in writting to find the status of my payment. I called my credit union to see my options, I was advised, nothing! Once a bill pay is sent, their hands are tied. IT is an approval for payment the can not stop it. Now I am here {$1100.00} missing and no one can help because this horrible company called XXXX mortgage dictated that I can only make a full payment of {$1800.00} or I am to pay nothing and have my mortage payment have the posibility of running late. I didnt even sign the contract with this company. I signed the contract with Trail Blazer Mortgage. But my account was transfered to this company that does not understand how to work with my budget and multiple co-signers. As I stated to the 4 representatives I spoke with. I am sure I am not the only one in the world who has to make a partial payment in order to make the best of my finances and having a co-signer. I live paychek to paycheck. The last thing I want to loose is my house after it has taken me this many years to receive because of some riduculous rule of all or none. Call me crazy but a payment to any lender is a payment at the end of the day what does it matter how many payments it took to obtain it. The goal at hand is for me to pay my balance in full for goods I received. Who are we hurting here if it takes XXXX or 4 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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:
FROM XX/XX/XXXX THROUGH XX/XX/XXXX I DISPUTED XXXX ACCOUNTS ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX XXXX ACCOUNT # XXXX ) WITH XXXX XXXX TRANSUNION AND XXXX XXXX THOSE ITEMS WERE DELETED IN XX/XX/XXXX. IN XX/XX/XXXX THOSE XXXX ACCOUNTS WERE REINSTATED BY ALL XXXX CREDIT BUREAUS. I SPOKE TO THE AGENTS OF ALL XXXX BUREAUS AND REQUESTED INFORMATION FROM THE INVESTIGATION PER FCRA REGULATIONS SINCE THEY WERE VERIFIED AND NOT XXXX OF THE CREDIT BUREAUS COMPLETED THIS. IVE CONTACTED THE CREDITORS OF BOTH ACCOUNTS TO PROVIDE VALIDATION LETTERS OF THE DEBT AND THEY HAVE NOT COMPLETED THIS AS WELL. XXXX HAS DISPUTED THESE BOTH ACCOUNTS ONCE THEY WERE REINSTATED WITHOUT MY CONSENT ON XXXX OCCASIONS ( XX/XX/XXXX XX/XX/XXXX XXXX. AGENTS FROM TRANSUNION AND XXXX STATED THEY NEVER ATTACHED MY DOCUMENTS TO THE DISPUTES WHICH ADDED AN ADDITIONAL XXXX PLUS DAYS FOR INVESTIGATION. ATTACHED ARE THE LETTERS SENT TO CREDITORS AND CREDIT BUREAUS CERTIFIED MAIL FOR THE REMOVAL AND DELETION OF THESE ACCOUNTS THAT ARE REPORTING ILLEGALLY AND INCORRECTLY ON MY CREDIT REPORT PER ( FCRA ) FAIR CREDIT REPORTING AGENCY WHICH HAVE AFFECTED MY CREDIT SCORE AND PERSONAL LIFE TREMENDOUSLY.

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 2024-05-31 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:
FROM XX/XX/XXXX THROUGH XX/XX/XXXX I DISPUTED XXXX ACCOUNTS ( XXXX XXXX XXXX XXXX  ACCOUNT # XXXX AND XXXX XXXX XXXX ACCOUNT # XXXX ) WITH EXPERIAN XXXX XXXX AND XXXX XXXX THOSE ITEMS WERE DELETED IN XX/XX/XXXX. IN XX/XX/XXXX THOSE XXXX ACCOUNTS WERE REINSTATED BY ALL XXXX CREDIT BUREAUS. I SPOKE TO THE AGENTS OF ALL XXXX BUREAUS AND REQUESTED INFORMATION FROM THE INVESTIGATION PER FCRA REGULATIONS SINCE THEY WERE VERIFIED AND NOT XXXX OF THE CREDIT BUREAUS COMPLETED THIS. IVE CONTACTED THE CREDITORS OF BOTH ACCOUNTS TO PROVIDE VALIDATION LETTERS OF THE DEBT AND THEY HAVE NOT COMPLETED THIS AS WELL. EXPERIAN HAS DISPUTED THESE BOTH ACCOUNTS ONCE THEY WERE REINSTATED WITHOUT MY CONSENT ON XXXX OCCASIONS ( XX/XX/XXXX XX/XX/XXXX XXXX. AGENTS FROM XXXX AND XXXX STATED THEY NEVER ATTACHED MY DOCUMENTS TO THE DISPUTES WHICH ADDED AN ADDITIONAL XXXX PLUS DAYS FOR INVESTIGATION. ATTACHED ARE THE LETTERS SENT TO CREDITORS AND CREDIT BUREAUS CERTIFIED MAIL FOR THE REMOVAL AND DELETION OF THESE ACCOUNTS THAT ARE REPORTING ILLEGALLY AND INCORRECTLY ON MY CREDIT REPORT PER ( FCRA ) FAIR CREDIT REPORTING AGENCY WHICH HAVE AFFECTED MY CREDIT SCORE AND PERSONAL LIFE TREMENDOUSLY.

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 2024-05-31 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: ID

Complaint narrative:
This is related to : ID FOR COMPLAINT SENT TO XXXX XXXXXXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO EXPERIANXXXX I called the bureaus today ( XX/XX/XXXX ) to check on the status of my disputes but they're saying that they did not receive my complaints. I checked my CFPB report status today and it says here that the companies responded to my complaint. How is it possible that they responded to you but when I spoke to them, they're saying that I don't have any open complaints? This is just unacceptable. I am victim of identity theft and I'm afraid that the person or people behind this are getting away with their crimes freely and you are not taking actions to protect me and my information.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with PLAZA SERVICES LLC on XX/XX/XXXX showing a balance of {$2200.00}. PLAZA SERVICES LLC failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS CREDENCE RM Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-31 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: Maximus Federal Services, Inc.
State: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a formal complaint against RANDOLPH BROOKS, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
RANDOLPH BROOKS, with contact information at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that RANDOLPH BROOKS has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against RANDOLPH BROOKS to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold RANDOLPH BROOKS accountable for their unlawful conduct.

Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received store credit cards from both Target ( Target Circle ) and XXXX XXXX XXXX Card. 

I did not apply for any of these cards and was not expecting either of them to come. I have not yet personally activated either of the cards. 

Today, XX/XX/XXXX, I contacted both XXXX XXXX and XXXX 's card departments. I was unable to reach a human representative at XXXX XXXX to explain my situation. However, I was able to reach someone at XXXX. I filed a report with their fraud department, but they also informed me that I have a balance of over {$400.00} from the in-store purchase of an XXXX on XX/XX/XXXX. I was neither in the store nor purchased an XXXX on XX/XX/XXXX. Their fraud department is supposed to be sending me paperwork within XXXX days so they can begin investigating whether it was fraud or not. 

I will be attempting to contact XXXX XXXX again today to see about talking to a person.

Company response to consumer: Closed with non-monetary relief