vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
My credit report is being affected by information that is not XXXX XXXX  accurate and not fully verifiable. I have not received any evidence to justify the reporting of these items.

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 2024-02-22 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: Meritize Financial Inc.
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing in response to, in which you responded to a complaint filed with the CFPB under the name XXXX, which is not my name. It appears there may have been a misunderstanding or error regarding the identity associated with this inquiry. 

I would like to clarify that I, XXXX XXXX, did not authorize any inquiries or applications for credit with Meritize, nor did I provide consent for the use of my personal information in such a manner. It is concerning to me that my personal information was used without my consent, and I would like to address this matter promptly. 

Furthermore, I dispute the accuracy of your statement that an application was initiated by me on XX/XX/year>, as I have no record or recollection of such an action. Any purported verification process or conversations with your agents regarding this application were not conducted by me, and I deny providing any personal information for this purpose. Your inquiry on my credit profile is fraudulent. 

I respectfully request that you provide me with any documentation that support your assertion that I initiated an application or provided consent for the use of my personal information. Additionally, I request that you cease any further inquiries or use of my personal information without my explicit consent. 

Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, and I will take further action if necessary to protect my rights and interests in this matter. 

I look forward to your prompt response and resolution of this dispute. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report COMMENTS from ( TRANSUNION, XXXX XXXX XXXX ) Payment History ( 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 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
I have tried for several months to get this resolved. 
You closed the case without any comment from me. 
I called and emailed Roundpoint again today. They said payments are not recevod on time. 
My bank shows Roundpoint receivng on or before the XXXX. of the month. 
They said my XXXX payment was not received till the XXXX. Bank shows the XXXX. 
Then my call was disconnected and they did not call back. 
I have tried again. 

XXXX Case #

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I applied for the PNC Bank credit card and was issued the card. I wanted to use it to transfer balances and to pay for a vacation to XXXX. When I booked my vacation through an agency, my card was blocked and I had to call to release the block and at that time told the rep I would be using it while on my trip to XXXX and that I would need to make sure it is available when I try to use it. The rep unblocked it. I also called the day I flew out to put PNC bank on notice I was traveling to XXXX and would be using the card. I just got my statement and I see PNC charged me XXXX different finance charges totaling up to {$180.00}. When I called the bank they said they charge to use my card overseas. I said but on XX/XX/24, I booked my trip from XXXX here in the states and at no time did anyone ever say I would be charged fees if I use the card overseas. They had XXXX different opportunities to tell me they charge for use overseas but didnt say anything about it. Now I have {$180.00} in fees on my card. This is unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

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. 

Account name : XXXX  ACCT # XXXX 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. 

15U.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. 

Experian shows it's a closed account and XXXX XXXX shows it's an open account listed in my credit. This is inaccurate and must be removed my credit.

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 2024-02-22 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: AL

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 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 2024-02-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: TN

Complaint narrative:
Hired a debt consolidation law firm in XX/XX/XXXX. Enrolled 5 debts. First 4 were settled by XX/XX/XXXX. Last creditor was never contacted to negotiate settlement until XX/XX/XXXX. Law firm agreed to a settlement and then missed the payment on XX/XX/XXXX. Law firm has never contacted me. I started contacting them inquiring about the missed payment. Everytime I contacted them I got a different story. They then sent an email stating that a new settlement had to be negotiated and that I need to pay an additional {$2700.00}. I fired the law firm and negotiated my own settlement with the creditor. Law office never contacted manager of escrow account to notify them that I had terminated my program so that the funds of my escrow account could be returned to me. I contacted XXXX XXXX myself and notified them that I had fired XXXX XXXX and that my money needed to be returned to me immediately.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SO CALLED UNEMPLOYMENT MOD APPROVED PUT HAVE TO PAY ALMOST XXXX AND XXXX AFTER???? WHAT KING OF UNEMPLOYMENT MOD IS THIS!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX A Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : 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 2024-02-22 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: AL

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 non-monetary relief
Consumer complaint received 2024-02-22 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: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I have been making payments to EasyPay since XX/XX/XXXX and my account and payments are not reflecting on my credit reports with XXXX, XXXX or XXXX. I have emailed and spoken to EasyPay many times and they have told me to contact the credit reporting agencies to handle this issue. I've submitted a formal letter with disputes to all three credit reporting agencies, and copied EasyPay. XXXX recently sent me a letter dated XX/XX/XXXX stating that the account is not reflecting on my most recent credit report. It would help to have this account reported to the three major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AL

Complaint narrative:
Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX was paid off years ago to XXXX. I just received a letter from Jefferson Capital for a XXXX dept of {$630.00}. There Reference # XXXX. They have also put this on my credit report. 

Name on account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Total Card, Inc.
State: MD

Complaint narrative:
TOTAL CARD INC XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ TOTAL CARD INC ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ TOTAL CARD INC ] for violating my rights as a consumer.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MS

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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