vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not able to log into my Experian account due to internal system errors on Experian 's side. This is ongoing since XX/XX/2024. 

They provide a phone number to call for technical issues which, when called, can't properly verify who I am and does nothing other than direct you back to the website to complete my task- which I can not access - and does not provide any way to speak with a person who can address the issues on their end and provide a fix. 

This has caused harm as I am not able to obtain any form of credit. What I'm told when applying for credit is that there is an error with Experian and no information can be obtained about me from them, and they therefore can not proceed with my credit application. 

The only thing I can do is write Experian a letter, which I've done, and must now await weeks for them to address an issue that needs to be fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX TN CHILD SUPPORT Account Number XXXX XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  XXXXXXXX XXXX XXXX  Account Number XXXX has violated my rights XXXX5 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
XX/XX/XXXX Called XX/XX/XXXX Called again-spoke to XXXX XX/XX/XXXX Called again spoke to XXXX XXXX XX/XX/XXXX Called spoke to XXXX XX/XX/XXXX Called again spoke to XXXX XX/XX/XXXX Rep would not give name XX/XX/XXXX Spoke to XXXX XX/XX/XXXX Spoke to XXXX XX/XX/XXXX Rep refused to give name XX/XX/XXXX Called again spoke to XXXX and demanded a manager, XXXX. 
XXXX left me on hold for over 10 minutes until XXXX answered and said she was a supervisor. 
This is unacceptable! I have been dealing with the Loss Draft dept regarding my loan and they have behaved in unacceptable manors. I have been trying for them to disburse funds so my home may be repaired since XXXX XXXX. I have called 9 times and have been lied to each and every time. You have had the insurance company money since XXXX XXXX. This is illegal to hold my money of over {$24000.00} for more than a month collecting interest and not releasing the funds as promised. I have been out of my home due to damage since XX/XX/XXXX and my contractor has not been paid for the remediation since XX/XX/XXXX. 
Freedom Mortgage told me on XX/XX/XXXX that the check for {$6000.00} would be sent out XXXX XXXX XXXX and I called today XX/XX/XXXX for status because it is not here, and they said they sent it on the XXXX regular mail and it would take 10 days to get to me. This is unacceptable behavior. I am still out of my home and no contractor will touch it because they fear they will not be paid. Waiting for 4 months is unacceptable. It is uncomprehensive that I am being put through this aggravation and no gather interest on the money and no resolution is insight. My entire life is on hold because of this red tape. If they had signed the insurance check as promised I would have been in my home by now because I would have got it done immediately. Meanwhile they keep making excuses why the money is not here, and they are making money on MY money and the mortgage has to be paid. VERY UNFAIR!

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Pathfinder Credit Services
State: GA

Complaint narrative:
Account is reporting on XXXX PATHFINDER CREDIT SE XXXX XXXX XXXX Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NY

Complaint narrative:
This inquiries was not initiated by me and I did not gave anyone a permission to create this. Kindly remove the from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
We have asked this company several times not to call our phone numbers and to put us on do not call status. They continue to call even though we have asked for XXXX. We have setup a payment via ACH and they still call. This is harassment per FDCPA as they did not adhere to our convenient calling preferences. I want to complain about their adherence to FDCPA and TCPA violations because they should be able to take verbal request to stop calling because these are cell phones.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent update of the " last activity '' date on my credit report. It has come to my attention that the last activity date for a specific account has been inaccurately updated, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
The FCRA mandates that information on credit reports must be accurate, complete, and up-to-date. Updating the last activity date on an account without valid cause or activity may misrepresent the true status of the account and unfairly impact my credit standing. 
I request that you thoroughly investigate the circumstances surrounding the update of the last activity date on the mentioned account. If this update was made without legitimate activity occurring on the account, it may be considered a violation of the FCRA.There is a file attached to verify the fraudulent reporting. 
Account Name : XXXX ( ACCOUNT HAS BEEN CLOSED FOR XXXX YEARS ) ) Account Number : XXXX Date of Last Report : XXXX Date of Last Activity : 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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent update of the " last activity '' date on my credit report. It has come to my attention that the last activity date for a specific account has been inaccurately updated, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
The FCRA mandates that information on credit reports must be accurate, complete, and up-to-date. Updating the last activity date on an account without valid cause or activity may misrepresent the true status of the account and unfairly impact my credit standing. 
I request that you thoroughly investigate the circumstances surrounding the update of the last activity date on the mentioned account. If this update was made without legitimate activity occurring on the account, it may be considered a violation of the FCRA.There is a file attached to verify the fraudulent reporting. 
Account Name : XXXX ( ACCOUNT HAS BEEN CLOSED FOR TWO YEARS ) ) Account Number : XXXX Date of Last Report : XXXX  Date of Last Activity : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank calls INCESSANTLY. I receive over 7 calls EVERY SINGLE DAY. 7 days a week. Even after I have made my payment, they call continuiously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-02 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: GA

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 explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: KY

Complaint narrative:
I have active Credit Karma Save and Spend accounts. On XX/XX/XXXX my Credit Karma account was hacked. The hacker accessed my online bank account, transferred {$3000.00} from my savings account into my spending account, and sent {$4000.00} to XXXX, XXXX. I called Credit Karma Money Support immediately after I received the notification of the transaction. My call was transferred to a different department after receiving my personal information. I was on hold for over 45 minutes. Once someone answered, they stated that they could not dispute the transaction as the charge had not posted to my account yet. They stated that they would cancel the virtual debit card used though, and advised that I call back once the funds posted in order to dispute. The next day, I received an overseas spending charge of {$40.00}. Two days later ( XX/XX/XXXX ), the funds posted and I called to dispute the charges. I was on hold for over 30 minutes but the representative filed a dispute for the initial transaction and the overseas spending charge. The representative stated that my money would return to my account within 10 days. On XX/XX/XXXX, all of my accounts were frozen due to suspicious activity. I sent the required documents on the same day. I have called everyday since and have been told they can not communicate with me by phone but I must wait because they have to complete their investigation. On XX/XX/XXXX, I received another email to send the same required documents. I sent them on the same day again. The overseas charge was returned to my frozen account on XX/XX/XXXX, but the {$4000.00} has still not been returned. Its been 11 days now and no one will respond to me. On XX/XX/XXXX I asked for a status update regarding the dispute and account status and was told I had been using the wrong email to contact and that they couldnt give any information. I have only used the email I began my account with and that XXXX continues to reply to and send resolution links to for documents. On XX/XX/XXXX, my account was unlocked and I was again able to access my information. I noticed that my dispute for {$4000.00} was showing as a past dispute but was never given a status update or information. I called Credit Karma and spoke to XXXX who stated that my dispute was denied and that it was determined that no error was made on my account. I advised her that my account had been hacked and I did not make that transaction. She told me she was sorry and that she would send the transaction for review again. Credit Karma did not protect my money and now I will struggle to pay my bills because of their complacency. Im now forced to wait even longer and risk further penalties for my bills because of their wrongdoing. Credit Karma banking is an absolute scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Someone with access to my social security card number opened an account in my name. The person ( exwife daughter ) was making payments so I never saw account using a different address. The debt collector has not provided a signature, contract, or last activity on account. Would like my signature, original contract, and last activity or payment on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-02 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-02 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: IL

Complaint narrative:
My understanding is that FCRA 605B requires the removal of incorrect accounts from my credit report. Could you please examine the documents? There are discrepancies in some of the listed accounts regarding their reporting, including inaccurate amounts and dates.

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 2024-04-02 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: TN

Complaint narrative:
I recently found an account on my record that did not belong to me reported by XXXX XXXX XXXX. I contacted the company requesting validation of debt and found that the account was associated with a previous number, which was changed per XXXX by SSA due to me being a victim of Identity Theft. The company stated they had retracted the information, however, TransUnion continues to report this erroneous information.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My understanding is that FCRA 605B requires the removal of incorrect accounts from my credit report. Could you please examine the documents? There are discrepancies in some of the listed accounts regarding their reporting, including inaccurate amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
There is so many wrong accounts in my credit report that i dont recognize as mine. i will make an attachment in the dispute letter, possesses so many mistake as account name, date, location and status I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2024-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
I had received package with equipment from XXXX. Service was never connected. And although I never used service XXXX calculated 2 months debt to me. We had back and fourth discussion. Then, I received phone call from debt collector company. I decided to verify with XXXX, but they did not provide me any information weather they collect debt or someone else do it for them. I never received any mail or email from any debt collecting organizations. Now some people who call themself Law Offices of Maury Cobb call me. I simply requested them to send me email to verify that they are indeed collecting debt for XXXX. They denied stating that they don't do that. They told me that they sent me mail, but I never received any mail from them. They lied that they sent me email XXXX XXXX which of cause never happen- I checked my mail box and spam box for entire month of XXXX. Representatives acting rude. People who call themselves Law Offices of Maury Cobb have New York phones and stating that they call from Alabama, don't send any written notices or profs, acting rude and bulling people. That have to be addressed. I checked company online, and it looks like this company involved in whole bunch of fraudulent activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation