vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2024-10-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent in 3 written request for Experian to remove the unverified collection account ( XXXX XXXX XXXX XXXX XXXX that was on my credit report in violation of 15 U.S.C. 1681 or provide me proof of verification. In the results of the 3 investigations, they stated that they " verified '' that these items are being " reported correctly ''. but they didn't provide the information i requested as to Who in their company verified these accounts. How they verify them, The name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Or they didn't Include the documentation that was used to verify the dispute. XXXX removed this account from my credit report because it's not my debt and its unverifiable.

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 2024-10-02 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-02 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:
Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.

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 2024-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I began the VA mortgage assumption process with CMG Financial in XXXX New Jersey nearly XXXX  months ago, in XX/XX/year>. They have incurred significant delays in closing on this property. The processors in their Assumptions Department have not responded to dozens of emails asking for a timeline to closing, what steps remain to complete this process, or whether they have received documents that I have sent to them. Despite providing CMG Financial written authorization to correspond with the sellers, their realtor, and my realtor, all calls from us to the assumption processors go straight to voicemail and are overwhelmingly not returned. Likewise, the assumptions processors invariably do not respond to emails from these authorized parties and me. 
My escrow officer and I have had to send the assumption processors at CMG Financial multiple copies of requested documents for the consideration of their underwriting department. Despite this, the assumption processors continue to repeatedly request the same documents, sometimes weeks after they were already submitted. It has now been over two weeks since CMG Financial approved my mortgage assumption application, but they have steadfastly refused to send the closing documents to my escrow officer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite being under contract with the sellers since XXXX, I have had to give my adult son special power of attorney to complete this home purchase. Now I am concerned that CMG Financial will resist allowing him to sign the closing documents, thus, incurring further delays in moving to closure. 
The sellers have become increasingly XXXX  regarding this protracted timeline and I am concerned that they will pull out of this home sale ; By placing the home back on the market and selling to a party obtaining a conventional home loan, they may be able to close much faster, even though my loan assumption application has already been approved by CMG Financial. I am further concerned the collapse of this mortgage assumption has been the intention of CMG Financial, all along, as a VA home loan assumption does not appear to be as profitable as a conventional mortgage. 
In XX/XX/year>, I liquidated more than XXXX XXXX dollars in investment assets to provide the closing costs for this home sale. If the sale does not go through, then I will have in excess of XXXX dollars in damages from capital gains taxes and unrealized returns on these investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-02 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 XXXX XXXX XXXX, as the duly appointed Subrogee and Executor of the XXXX XXXX XXXX XXXX ESTATE ( and any and all derivatives spelling ) have been seeking for immediate action and fiduciary trusteeship of EXPERIAN due to erroneous information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. EXPERIAN has failed to properly remedy and investigate this matter. SEE ATTACHMENTS for further detailed and all notices and documents that have been sent to EXPERIAN, including XXXX tracking number and screenshot of date of delivery. You EXPERIAN are reminded of your fiduciary obligations under trust law, which obligate you to act in good faith and protect the interests of the Beneficiary ( XXXX XXXX XXXX ). One of the principles of equity is " One who comes to equity must come with clean hands ''. EXPERIAN has a fiduciary RESPONSIBILITY to be in honor and act in good faith. Im expecting no more than 5 ( five ) business days for our credit file to be updated with the accurate information and status [ SEE ATTACHMENTS ], as it should have already been. Another principle of EQUITY is " Equity recognizes what should have been done as already done ''

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 2024-10-02 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 formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Info Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: MI

Complaint narrative:
As informed XX/XX/XXXX at XXXX for 25 minutes your employee XXXX said WE SENT YOU A SATISFACTORY OF MORTGAGE YOUR LOAN XX/XX/XXXX AND ARE PUTTING IT IN THE SYSTEM FOR YOU TO PICK UP AT ANY LOCAL BRANCH. 

PLEASE CONFIRM BY REVIEWING THE PHONE CALL. 


THE CFPB MUST FINE XXXX  FOR LYING OVER MANY COMPLAINTS, A LIE, THAT THIS IS A DUPLICATE IS TO EVADE THE CRIMINAL FRAUD THEY CONTINUE TO COMMIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: MI

Complaint narrative:
As informed XX/XX/XXXX at XXXX for 25 minutes your employee XXXX said WE SENT YOU A SATISFACTORY OF MORTGAGE YOUR LOAN XX/XX/XXXX AND ARE PUTTING IT IN THE SYSTEM FOR YOU TO PICK UP AT ANY LOCAL BRANCH. 

PLEASE CONFIRM BY REVIEWING THE PHONE CALL. 


THE CFPB MUST FINE XXXX  FOR LYING OVER MANY COMPLAINTS, A LIE, THAT THIS IS A DUPLICATE IS TO EVADE THE CRIMINAL FRAUD THEY CONTINUE TO COMMIT.

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 2024-10-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I contacted Freedom Debt Relief ( FDR ) from an ad I saw on XXXX, in XX/XX/XXXX because of the credit card debt I had. I spoke to XXXX XXXX. After a few days, XXXX XXXX informed me my credit card debt totaled {$27000.00}. I was directed to set up automatic payments from my bank account to be sent to XXXX XXXX XXXX, a service of XXXX, in XXXX, Oregon. These payments would go into a Dedicated Account they could draw from to disperse payments to the creditors they negotiated with for repayment. From XX/XX/XXXX to XX/XX/XXXX, I paid a total of {$8100.00}. 
I received a letter from XXXX XXXX stating that FDR had paid all my creditors off and now my payments of {$490.00} would be sent to them starting XX/XX/XXXX to repay a loan in the amount of {$16000.00} for XXXX  months ending XXXX/XXXX/XXXX, totaling {$25000.00}. 
I received a letter dated XX/XX/XXXX, that XXXX XXXX will be known as XXXX XXXX XXXX. My bank statements shows starting XX/XX/XXXX, all the money debited from my account has been going to FDR. From XX/XX/XXXX until now I've paid {$19000.00}. 
I can't see how this company calls themselves a credit relief company, when I'll end up paying them more than what I was in debt for originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: TX

Complaint narrative:
XXXX XXXX XXXX Dear Prop Receivables, Re : XXXX XXXX Account XXXX XXXX This letter serves as formal notice of my final demand for the permanent removal of the false debt you have furnished on my consumer reports for XXXX  months. Despite numerous attempts to resolve this issue amicably, your company has ignored my cease and desist letter and refused to correct this error. 

Key Facts : I never provided consent for your company to access or share my nonpublic personal information. 
I previously sent a cease and desist letter, which was ignored. 
Financial records demonstrate discrepancies in your reporting. 
This item is not, nor has it ever been, a consumer credit transaction and should not appear on my consumer report. The Fair Credit Reporting Act ( 15 USC 1681 et seq. ). 
The debt was canceled in XXXX of XXXX, is non-collectible, and is legally my income that I have never consented to you publishing. 
Your actions have harmed my employment prospects in multi-family housing, resulting in XXXX lost job opportunities. 
You are reporting my nonpublic personal information to a publicly traded corporation that has securitized my consumer reports and profiting on your fraudulent I hereby revoke any implied consent your company may assume it has to share my nonpublic personal information, as permitted under the Gramm-Leach-Bliley Act ( 15 USC 6801 et seq . ) and Demands : Permanently delete this item from my consumer reports by XX/XX/XXXX. 
Provide the names of your executives, officers, and surety bond information. 
Immediately Compensate me {$20000.00} USD., comprising $ XXXX for XXXX  months and {$6000.00} in damages. 

Consequences of Non-Compliance : I will be Filing a lien against your surety bond for its full amount. 
Pursuing a federal case seeking damages twenty times the amount reported for securities fraud. Seeing how I have no contract with your company, I have no arbitration agreement, and at this point your willful violation of me is bigger than just civil. 

I have filed complaints with relevant authorities. Confirm receipt of this letter and indicate your intention to comply. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-10-02 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 respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-10-02 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: NY

Complaint narrative:
Ive recently recieved a copy of my credit report and noticed serveral inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-02 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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