vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I placed a freeze on all XXXX of my credit reports in XXXX  ( done online ). I tried to unfreeze & my Equifax would not unfreeze & I was told my them that I would need to mail in documentation via XXXX. Found out after I waited nearly XXXX weeks that the issue is Equifax does not have my SSN on my report at all. Yet, someone they have been receiving my credit information for well over XXXX  years. Now I am trying to buy a house & I am unable to do so until I mail in NEW documentation proving my identity again, which they don't have to process until XXXX business day AFTER they receive it in the mail. I find it a huge security issue that they have been in control of my credit report without having the most basic piece of information proving my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
They never used my escrow funds to pay my township taxes so I received an escrow surplus check in the mail in XXXX XXXX. XXXX days later I got my township tax bill showing that I owed my taxes for the year. I sent my township all of the funds owed. Then Newrez also paid my township taxes which put my escrow account into a deficit. Since they paid my township taxes in a lump sum in XXXX, plus collected my escrow payments in XXXX, XXXX, and XXXX, they have vastly over projected my township taxes for the next year which increased my monthly payment by $ XXXX. 

I have spoken to over XXXX customer service reps at this point and have emailed them all of the documentation that was requested including township tax bill for the coming year showing that they are incorrectly projecting my taxes. This has been going on for more than XXXX months now. Every time I speak with someone, I need to re-explain my entire situation. 

Once we received a refund from my township for the tax payment that they received twice, we issued this back to Newrez to make our escrow account whole again and put us back in a surplus. No one has been able to rectify our projected taxes so we requested to remove our escrow account. I received a letter in the mail over a week ago ( dated XX/XX/XXXX ) telling me that my escrow account has been closed. When calling to ask when they will disburse the surplus funds sitting in my escrow account, they told me that another escrow analysis has been done on my account on XX/XX/XXXX and my monthly payments have gone up again! Now I am being told that I will need to make another monthly payment of the $ XXXX more than I should be and that it could " take another XXXX weeks for the process to be resolved ''.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
Subject : Request for IRS Form 1099-C and Clarification Regarding Charge-Off Dear Absolute Resolutions Investments , LLC, I hope this letter finds you well. I am writing to formally request the IRS Form 1099-C for the charge-off associated with my internal account number XXXX, originally from XXXXXXXX XXXX XXXX ( Account Number : XXXX ). 

It has come to my attention that your records may still indicate an outstanding balance despite the account being marked as a charge-off. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies regarding my credit information, including the incorrect reporting of debts that have been charged off. According to 15 U.S.C. 1681 ( g ), I am entitled to obtain all relevant information regarding any account and its status.

The inconsistent information regarding this account, where a charge-off is reported while still claiming I owe on the debt, constitutes inaccurate reporting. This situation potentially exposes me to statutory damages due to the false implications regarding my financial obligations under the FCRA. To clarify this matter, I kindly request the following : 1. The issuance of an IRS Form 1099-C for the charged-off amount.

2. A detailed explanation of the status of this account, including any remaining alleged balances and how they are categorized in your records.

Please treat this request with urgency, as misreporting accounts can have significant repercussions on my credit profile and financial standing. If I do not receive a satisfactory response within 30 days, I may need to consider taking appropriate legal action to protect my rights and seek redress for any damages incurred as a result of these inaccuracies.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: ID Analytics, Inc.
State: CO

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charge fees due to lagged posting of charges and credits. This situation against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe this is an unfair way on how to go about things especially with no knowledge. Today XX/XX/XXXX I have a negative balance of $ XXXX don't know where it came from. Also I have a return check fee of {$XXXX}. That I never heard of. On XX/XX/XXXX I have another returned check fee for {$XXXX}. And on XX/XX/XXXX there was a check deposited into my account the company that sent me the check took the check back and I called their financial department they said it was an issue. I was granted {$XXXX} dollars out of the check but they took that also when I had already used some of that money to pay a bill. How is it that another company can come into my account and take my money that wasn't there anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 cant shake the frustration of having my credit dragged down by accounts I never opened. Its hurt me in ways I didnt even realize until recently, and Im tired of feeling stuck because of someone elses mistake.

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 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Aidvantage dba as Maximus Inc.continues to harass me about an alleged student loan debt that I discharged by submitting an IRS Form 1099C on XX/XX/XXXX. Also, I received confirmation from Aidvantage during that time that they received the 1099C form, however instead of processing the form and discharging the student loan debt, Aidvantage disregarded the 1099C and approved the student loan for forbearance, this is clearly fraud. The 1099C form was originally supposed to be received by the CFO of Maximus Inc. In order to be clear with this matter, I will need Aidvantage dba Maximus Inc. CFO to answer the following questions : ( 1 ) According to the alleged loan agreement was Aidvantage involved in the alleged loan to lend their money as adequate consideration to purchase the promissory note from me? YES or NO. ( 2 ) Did Aidvantage involved in the alleged loan follow GAAP? YES or NO. ( 3 ) Was it the intent of the alleged loan agreement that the one who funded the loan is to be repaid the money? YES or NO. ( 4 ) According to the alleged loan agreement was the alleged borrower to provide anything of value that Aidvantage would use to give value to the promissory note in approximately the amount of the alleged loan? YES or NO. ( 5 ) According to the bookkeeping entries of Aidvantage in the alleged loan, did Aidvantage involved in the alleged student loan lend their money as adequate consideration lent to purchase the promissory note from me? YES or NO. ( 6 ) Are the economics of the alleged loan similar to stealing, counterfeiting and swindling against the borrower? YES or NO. ( 7 ) According to the alleged loan agreement was the alleged borrower to lend the borrower 's promissory note to another party such as Aidvantage? YES or NO. If you refuse to answer these questions with detailed specifics answers, I will presume that there is concealment of material facts and that the promissory note has been altered or stolen and that I provided the money that Aidvantage claims was lent to me. If you refuse to answer these questions, then please return a XXXX balance and return the promissory note. Also, Aidvantage dba Maximus Inc. is not the original student loan servicer, XXXX was. I do not have a contract with Aidvantage dba Maximus Inc. I need Aidvantage dba Maximus Inc.to produce a written contract that I signed with their company. Under the Privacy Act of 1974, I never authorized Aidvantage dba Maximus Inc. to share information about me to the credit bureaus. All rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
i tried to open a business checking account and they said my application was not approved XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 you about account ( XXXX XXXX XXXX XX/XX/year> ) because of the significant number of inaccuracies in this account, I believe it can not be properly corrected within the reasonable parameters of the Fair Credit Reporting Act. As a result, I am requesting that this account be deleted from my credit report entirely, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates the removal of disputed information that can not be verified or that contains multiple inaccuracies.

The continued reporting of this account, with its numerous errors, is a violation of my rights under the FCRA, and I request that it be removed in accordance with the law. The missing dates make the account incomplete or inaccurate, violating the FCRAs requirements for accuracy and completeness.

Under 15 U.S.C. 1681i ( a ), credit bureaus are obligated to conduct a reasonable investigation of disputed items, and if the information is found to be inaccurate or unverifiable, it must be corrected or deleted. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit bureaus ensure they report accurate and complete information. Given the volume of discrepancies within this account, I assert that the only appropriate remedy is the deletion of the account from my credit file.

Due to the missing dates and the resulting incomplete information, I am requesting that this account be deleted from my credit report, as this violates the accuracy requirements of the Fair Credit Reporting Act ( FCRA ). If the missing data can not be provided or verified, the account should be removed in accordance with 15 U.S.C. 1681i ( a ). 

Account XXXX XXXX opened 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 non-monetary relief
Consumer complaint received 2025-01-23 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 you about account ( XXXX XXXX XXXX XX/XX/year> ) because of the significant number of inaccuracies in this account, I believe it can not be properly corrected within the reasonable parameters of the Fair Credit Reporting Act. As a result, I am requesting that this account be deleted from my credit report entirely, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates the removal of disputed information that can not be verified or that contains multiple inaccuracies.

The continued reporting of this account, with its numerous errors, is a violation of my rights under the FCRA, and I request that it be removed in accordance with the law. The missing dates make the account incomplete or inaccurate, violating the FCRAs requirements for accuracy and completeness.

Under 15 U.S.C. 1681i ( a ), credit bureaus are obligated to conduct a reasonable investigation of disputed items, and if the information is found to be inaccurate or unverifiable, it must be corrected or deleted. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit bureaus ensure they report accurate and complete information. Given the volume of discrepancies within this account, I assert that the only appropriate remedy is the deletion of the account from my credit file.

Due to the missing dates and the resulting incomplete information, I am requesting that this account be deleted from my credit report, as this violates the accuracy requirements of the Fair Credit Reporting Act ( FCRA ). If the missing data can not be provided or verified, the account should be removed in accordance with 15 U.S.C. 1681i ( a ). 

Account XXXX XXXX opened 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 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing a complaint for requesting unnecessary documentation to validate a debt. Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable, also contract/agreement with creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NV

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I formally demanded an immediate investigation and correction of several inaccuracies on my credit report. I identified specific entries that I believe are incorrect, particularly late payments associated with XXXX XXXX and XXXX accounts. I asserted that these payments should be updated to reflect that they were paid as agreed and never late, referencing 15 U.S.C. 1666b, which governs the timing of payments. 

Additionally, I raised concerns about multiple debts reported by various collectors, including XXXX, XXXX XXXX, and others. I invoked 15 U.S.C. 1692g, which requires debt collectors to validate any alleged debts before continuing collection efforts. I requested that Experian provide proof of these debts, including original documents bearing my signature and any contracts between the debt collectors and the original creditors. I made it clear that if they could not provide this validation, the items should be deleted from my credit report.

I also pointed out unauthorized hard inquiries on my report, citing 15 U.S.C. 1681b ( a ) ( 2 ). I requested the deletion of these inquiries, as they were made without permissible purpose. Furthermore, I disputed incorrect personal information, including addresses that do not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I reminded Experian of their obligation to investigate disputes and correct inaccuracies within 30 days, as outlined in 15 U.S.C. 1681i. I referenced case law to emphasize the necessity of a thorough investigation and the potential liability they face for non-compliance. 

I expect a prompt and thorough investigation, along with written confirmation of their findings. I made it clear that if this matter is not resolved within the legally mandated timeframe, I am prepared to escalate the issue to regulatory agencies or pursue legal action. I also requested a detailed description of the procedures used during their investigation, as required by law. 

In summary, I am seeking immediate action to correct my credit report and ensure compliance with federal laws governing credit reporting.

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 2025-01-23 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
on XX/XX/24 I sent a request for proof of a debt assignment.a copy of the original contract that I sign from the original creditor and a payment history from the original creditor this was from fair debt collection practices act 15 usc 1692g the information that they are posting to my report is totally inaccurate because i never sign any paper with and totally unaware of them.

Company response to consumer: Closed with explanation