vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and found several serious inaccuracies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The information provided is inconsistent and shows repeated re-aging of the charge-off status, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), which limits the reporting of charge-offs to seven years from the date of the first delinquency.

Specific issues include : The account is reported as charged off continuously over multiple years, from XXXX to XXXX, with inconsistent balance and status updates. 

The status update date is listed as XX/XX/XXXX, but the balance was updated as recently as XX/XX/XXXX, suggesting ongoing activity or re-aging of the account, which violates 15 U.S.C. 1681c ( c ) ( 1 ), prohibiting re-aging of debts.

The " on record until '' date is listed as XX/XX/XXXX, which contradicts the continuous charge-off reporting that implies ongoing delinquency beyond the standard reporting period.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) of the FCRA, credit reporting agencies are required to provide a detailed description of the reinvestigation process within 15 days of receiving a consumer 's dispute. Despite my previous request, no such description was provided, which is another violation of my rights under the FCRA.

The repeated re-aging of this account, combined with the failure to provide a detailed reinvestigation process, demonstrates non-compliance with federal regulations. These actions are not only misleading but also unjustly prolong the negative impact on my credit report.

Due to these multiple violations and inaccuracies, I am requesting the immediate deletion of this account from my credit report.

Please address this issue promptly in accordance with the FCRA guidelines.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and found several serious inaccuracies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The information provided is inconsistent and shows repeated re-aging of the charge-off status, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), which limits the reporting of charge-offs to seven years from the date of the first delinquency.

Specific issues include : The account is reported as charged off continuously over multiple years, from XXXX to XXXX, with inconsistent balance and status updates. 

The status update date is listed as XX/XX/XXXX, but the balance was updated as recently as XX/XX/XXXX, suggesting ongoing activity or re-aging of the account, which violates 15 U.S.C. 1681c ( c ) ( 1 ), prohibiting re-aging of debts.

The " on record until '' date is listed as XXXX XXXXXX/XX/XXXX, which contradicts the continuous charge-off reporting that implies ongoing delinquency beyond the standard reporting period.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) of the FCRA, credit reporting agencies are required to provide a detailed description of the reinvestigation process within 15 days of receiving a consumer 's dispute. Despite my previous request, no such description was provided, which is another violation of my rights under the FCRA.

The repeated re-aging of this account, combined with the failure to provide a detailed reinvestigation process, demonstrates non-compliance with federal regulations. These actions are not only misleading but also unjustly prolong the negative impact on my credit report.

Due to these multiple violations and inaccuracies, I am requesting the immediate deletion of this account from my credit report.

Please address this issue promptly in accordance with the FCRA guidelines.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-07 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-01-07 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: MI

Complaint narrative:
I am a victim of a data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent inquiries, collections, and accounts opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Specifically, I request that Equifax block and delete : Collection Accounts : - XXXX XXXX XXXX -- - Balance {$13000.00} Inquiries : - XXXX XXXX  - XXXX XXXX These inquires and collection accounts were created as a result of identity theft or unauthorized use of my personal information. I know this is a direct consequence of the data breach and should be promptly addressed.

To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). A copy of my government-issued identification, Proof of address Any other required documents for verifying my identity and the fraudulent activity.

Please take the necessary steps to block and delete this fraudulent inquiries associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: PR

Complaint narrative:
In accordance with fair credit reporting act, the account : XXXX XXXX, number : XXXX, has violated my rights.

15 U.S.C 1681 Srction 602 A. states I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : Its also States a consumer reporting agency CAN NOT Furnish an account without my written Instructions

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 2025-01-07 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.

Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX XXXX please block this information from my credit report within 4 days pursuant to section 605c of the fair credit reporting act

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 2025-01-07 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a complaint against LVNV Funding LLC for the following reasons : 1. **Failure to Validate Debt : ** - LVNV Funding LLC violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, by failing to provide validation of the debt despite my written request. They have not produced : - The original contract or agreement showing my liability for the debt.

- Documentation proving their legal right to collect the debt, including the chain of title or assignment from the original creditor.

2. **Unlawful Credit Reporting : ** - LVNV Funding LLC is reporting this alleged debt on my credit report without validation, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681. They have not provided evidence that the debt is valid or enforceable, yet they continue to harm my creditworthiness.

3. **Unauthorized Sharing of Personal Information : ** - LVNV Funding LLC shared my personal and financial information with XXXX  without my written consent, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), which requires financial institutions to protect consumer information.

4. **Violation of the Uniform Commercial Code ( UCC ) : ** - Under UCC 3-203 and UCC 3-301, LVNV Funding LLC has not demonstrated that they are a " person entitled to enforce '' the instrument, as they have failed to produce proper endorsements or assignments from the original creditor. 

5. **Consumer Financial Protection Act ( CFPA ) Violations : ** - LVNV Funding LLCs actions are unfair, deceptive, and abusive, violating CFPA, 12 U.S.C . 5531. Their collection attempts without validation and unauthorized sharing of my data are clear breaches of consumer protection laws. 

XXXX. **Unlawful Collection Practices : ** - LVNV Funding LLCs actions, including threatening collection without validation and unauthorized data sharing, are deceptive and constitute unfair practices under FDCPA, 15 U.S.C. 1692e and 1692f.

LVNV Funding LLCs actions have caused the following harm : - Emotional distress due to harassment and the uncertainty about the legitimacy of this debt. 
- Financial harm caused by the improper reflection of this alleged debt on my credit report, which has negatively impacted my credit score and ability to secure loans or credit.

- A violation of my privacy through the unauthorized sharing of my personal and financial information with XXXX, increasing the risk of identity theft. 
- Wasted time and resources disputing this debt and attempting to have it removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I have been trying to enroll in autopay for close to a year now, and despite being told that I have been enrolled several times, they still will not charge my payment as an autopay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX 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 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Rocket Mortgage representatives consistently operate in unethical practices. When you call for information regarding using your equity, they use underhanded tactics to gain your information so they sales reps can offer you their services, even if you don't want them. If you call about a HELOC, the representative will run your credit and then say we don't offer HELOCs but maybe you should consider a Home equity loan anyway. I received multiple emails and calls regarding services I didn't want. Someone even drew up loan documents for me to sign and mailed them to my house. I've have several of these fraudulent interactions with them and I no longer trust Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Fidelity Services, LLC
State: KY

Complaint narrative:
I had a XXXX  that needed repair. I was told I would only have to pay under XXXX out of pocket. The dentist that first worked on my tooth messed it up and after 5 appointments they finished the tooth but it is still not correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The dentist at XXXX that first worked on it five times who I paid over XXXX dollars to, said I owed an additional XXXX and added over XXXX dollars because I did not pay the additionally XXXX dollars that I did not know about right away. 

First they gave me a print out and I have to pay the fees that insurance did not cover out of pocket which I did. Then they added extra hidden fees and after I was told added additional hidden fees after the fact and sent it to collections. 

Based on their reviews this is a common tactic that they do at XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC
State: NY

Complaint narrative:
I bought a condo in XXXX  through a mortgage company called XXXX XXXX. At the time I was told I need insurance on the building which is provided by my HOA. My loan was sold to LoanCare and they are trying to charge me {$25.00} fee for a 2 week lapse in insurance that covers my belongings inside the condo. LoanCare said they have insurance proof for the building which I said is all they need and all I am required to carry per my mortgage. LoanCare stated I need coverage on the inside of the unit. I asked for proof that this was in my original mortgage since It is not in my copy. They refuse to provide proof and say it is their policy. I told LoanCare I did not need that insurance to cover my personal belongings as they have no lien on it through the mortgage and they have proof of insurance on the building. They refuse to provide me documentation for my needing this special coverage and still say they're going to charge me. This is predatory and against my mortgage. I never asked for my mortgage to be sold to this company nor did I agree to any changes in my original mortgage when LoanCare bought it.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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