vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: TX

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 2024-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX and requested relief by way of a mortgage modification, submitted all required documentation, and was granted relief options which included a 3-month trial period beginning XX/XX/year>. 

Even though XXXX retuned my XXXX payment sent directly from my bank account, thankfully I recognized the rejection before the deadline to send the first payment by the deadline. XXXX provided information to send the funds by XXXX XXXX but in their letter omitted the required biller information for them. Nevertheless, I was able to find it and made my payment on XX/XX/year>. 

Because of this experience, On XX/XX/XXXX, I called XXXXXXXX XXXX  and arranged to have the remaining two payments automatically deducted to avoid any possible delay. I spoke with one of their Relationship Specialist at XXXX XXXX to have XXXX payment deducted on XX/XX/XXXX and XXXX payment deducted on XX/XX/XXXX. I was given confirmation numbers. 

Also, on XX/XX/XXXX at approximately XXXXXXXX XXXXXXXX XXXX XXXXXXXX received a phone call from one of your phone agents letting me know that I did not make my required payments and that I needed to send proof that I made the payment. Proof that Shellpoint should already have! 

I sent a letter with attachments by both mail and email asking them to help me to understand why my full mortgage records were not successfully and efficiently transferred from XXXXXXXX XXXX to Shellpoint Mortgage. ShellPoint Mortgage Servicing sent me a letter telling me that all the my mortgage terms did not change as a result of this migration. Instead, they started sending me document to reapply for a modification although my modification was already approved. I asked what else is needed and to date I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
I tried disputing with the collection company when I got the notification back months ago. the company put the account in dispute status and I told them all the info they needed, I told the company that i've never lived at that address, I told them I haven't had a apartment for a couple years as I was living with a family members, so there was no need to have a tep account active. they assured me that this would be disputed and resolved and yet, this wasn't resolved.. 
I gave them all the information that they asked for, and was told they would dispute it and this wouldn't go on my credit, this was in a dispute status for about a couple months. I called several times to the company to check on it and was told every time that this was in dispute and that there was no new information about it and if there was they would let me know. a couple weeks Ago this started reporting on my credit and I was confused as to why since this was being " disputed '' on their end. I told them several times this wasn't my account, and unfortunately this ruined my credit going down XXXX points as a collection. they are not allowed to report this to the credit bureau 's if youre stating that this isn't your account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DataX Ltd . 
XXXX XXXX XXXX XXXX, MO XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear DataX Ltd., IXX/XX/XXXX this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XX/XX/XXXX, FL XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: LEXISNEXIS
State: FL

Complaint narrative:
Car accidents, I surance claims to numerous to count. The last four numbers on the social security number are very close and it is being g attached to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On my Credit report a report of a charge off of {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. Request for a debt validation, and XXXX was requested with no response. 

My letter requested XXXX sent Account was charged off in please send a XXXX XXXX I have never received one Federal regulations require the creditor to file an information return on Form XXXX with the IRS. 26 C.F.R. 1.6050P-1 ( a ) ( 1 ). In addition, the creditor must also provide the debtor with a copy of the XXXX for his or her records. Id. XXXX ( f ) ( XXXX Capital One  XXXX Account was charged off in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Account info Account name CAPITAL ONE  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$3800.00} Highest balance {$4100.00} Terms - On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.

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 2024-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: WA

Complaint narrative:
I received a moving violation ticket in XXXX of 1997. I went to court and paid the ticket. I don't have specific proof, as this was 27 years ago before everything went online. I was contacted today by a debt collection agency, Coast Professional Inc, telling me I still owed on this ticket. I honestly thought this was a scam. I called the City of XXXX in Colorado and asked them about it. I was told last month the city attorney 's office sent all supposed unpaid debts to this collection agency, even though this far surpasses the 20-year statute of limitations on collecting debt in Colorado ( from my understanding ). First of all, I paid this ticket 27 years ago and they are claiming I still owe it. Secondly, this seems unethical and potentially illegal for a city attorney to submit supposed debt this old with insufficient records to a collection agency this many years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
Filed dispute and ask for proof of documentation and business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: WI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2024-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
I consolidated my loans by the XX/XX/year> deadline to access the benefits of the save plan as per the information given to me by the US Department of Education. I was assigned a servicer named mohela, and since then the servicer has moved my loan repayment date up by more than a year and a half. Moreover, the servicer refuses to accept documentation proving that I am XXXX XXXX and continues to demand payment in full in the amount of over {$800.00} per month while I am XXXX XXXX XXXX I reached out to the servicer to demand the reversal of my loan consolidation, I have reached out to the federal student aid organization to demand reversal of my loan consolidation, and now I am being forced to pay back my school loans while I'm XXXX XXXX My complaint is against mohela for refusing to allow me to reverse my consolidation, and to the Department of Education for failing to honor the terms of the loan consolidation agreements that it made with XXXX like me. My credit score has been impacted by the false information provided by this loan servicer, and having to pay back my loans while I'm XXXX XXXX is an undue hardship that was not part of the consolidation agreement. Furthermore, the loan servicer mohela Has changed the loan agreement stipulations without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian, XXXX and XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, XXXX and XXXX, for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Date of Charge Off : XX/XX/year> XXXX Date of Charge Off : XX/XX/year> EXPERIAN Date of Charge Off : XX/XX/year> 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 2024-07-15 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: GA

Complaint narrative:
My account with XXXX XXXX, XXXX & 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 60 days 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 & 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 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 explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) T
here is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

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 2024-07-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXll are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been a loyal and on time paying customer to Freedom Mortgage for 9 years paying above and beyond my monthly payments and am set to pay off my loan 5 years early. 

XX/XX/XXXX Request to have PMI removed - Response by company Denied on XX/XX/XXXX Denial Due to FHA Guidelines. 
XXXX I was told I would need to pay for a refinance into a conventional loan. 
XX/XX/XXXX - Denial saying that under FHA Guidelines my loan must have been created between XX/XX/XXXX and FHA case number had to be assigned before XX/XX/XXXX XXXX order to be eligible for an early cancellation. My PMI is no set to cancel till 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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Received an email from CreditKarma stating I had new changes on my XXXX report. It stated " Your collections balance was paid off recently... Your XXXX XXXX increased recently. '' I have never had debt in collections and this shocked me. I went to annualcreditreport and pulled XXXX reports, as the XXXX XXXX failed to load. 

I got a copy of my XXXX report and no collection balance was reported whatsoever. 

CreditKarma told me I had a problem I did not have - I can not run the XXXX report without payment from XXXX again because of CreditKarma 's deceptive email notification.

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 2024-07-15 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: DC

Complaint narrative:
XXXX opened a new trade-in for my student loan instead of transferring a consolidated loan that was sold from XXXX. Now I show XXXX different student loans that shows a XXXX balance. Even though my student loan have been forgiven, they are still being reported under my credit as showing I owe a balance with XXXX, whom reported that they can't update my credit report and that XXXX needs to make the change and update my credit report to show a XXXX balance.

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