vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXXXXXX XXXX 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
CFPB Complaint for Difficulty Unfreezing Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX - XXXX - XXXX XXXX I am filing a complaint against TransUnion, XXXX, and XXXX for refusing to unfreeze my credit report. 
I attempted to unfreeze my credit report on [ XX/XX/2024 ] at [ TRANSUNION, XXXX, XXXX ] by calling their phone numbers. 
I repeated this proces on [ XX/XX/2024 ] at [ TRANSUNION, XXXX, XXXX ] with similar results. 
I believe I have the right to unfreez my credit report according to the Fair Credit Reporting Act ( FCRA ). 
I request that the CFPB investigat this issue and ensure that all three bureaus ( TransUnion, XXXX, and XXXX ) unfreeze my credit report immediatly. 
I want my Credit report unfrozen, Ive aslo wort them all letters as well. 

Signature XXXX 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 2024-05-01 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
I am writing to bring to your attention a concerning issue I have encountered with Select Portfolio Servicing , Inc . Despite numerous attempts, Select Portfolio has failed to provide documentation regarding a {$30000.00} deferment charge added to my mortgage. 

I have made several requests, from XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX directly and through legal representation, for Select Portfolio to produce the signed deferment agreement. However, they have consistently failed to provide this essential information, which is critical for me relative to my mortgage balance. 

The lack of transparency and refusal to provide documentation raise serious concerns about Select Portfolio compliance with consumer protection laws and regulations. As a consumer, my right to access clear and accurate information about my mortgage, including any fees or charges imposed by the lender have been violated. 

I believe that Select Portfolio actions constitute unfair or deceptive practices, and I respectfully request that the Consumer Financial Protection Bureau investigate this matter. I trust that your agency will take appropriate action to ensure that Select Portfolio complies with all applicable laws and regulations and provides the necessary documentation without further delay. Which I know doesn't exist due to the fact I have never signed a deferred payment plan, neither have I been behind in payments that warranted a {$30000.00} deferment. 

Please find enclosed copies of my previous correspondence with Select Portfolio, as well as any relevant documentation related to this issue. I am available to provide any additional information or assistance you may require to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your efforts to protect consumers ' rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: LEXISNEXIS
State: MI

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 explanation
Consumer complaint received 2024-05-01 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: LA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX, XXXX XXXX Transunion.

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 2024-05-01 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: LA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX, Experian 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX : I have no accounts with them but there is an hard inquiries on my XXXX credit report. XXXX XXXX : I have no account with them but there is an hard inquiries on my XXXX credit report. XXXX XXXX XXXX XXXX never heard of this company before but there is an hard inquiries on my XXXX credit report

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 2024-05-01 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: MS

Complaint narrative:
XXXX XXXX : I have no accounts with them but there is an hard inquiries on my XXXX credit report. XXXX XXXX : I have no account with them but there is an hard inquiries on my XXXX credit report. XXXX XXXX XXXX XXXX never heard of this company before but there is an hard inquiries on my XXXX credit report

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 2024-05-01 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: MD

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-05-01 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: MD

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: NJ

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. 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 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 2024-05-01 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:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records 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 2024-05-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: OK

Complaint narrative:
I enrolled in a consolidation program initially called Infinite Law Group, now named The Law Firm of Derek Williams LLC XX/XX/2023. I enrolled XXXX different creditors to get them paid off and was told after XXXX months I would notice changes and creditors being paid off. I pay them {$180.00} every 2 weeks for their services. One creditor has been settled for about $ XXXX. XXXX other creditors theres no update. XXXX creditors thats in litigation has started garnishing my bank account because this company isnt doing their job. Ive tried to call and call and no one can be reached or the hold time is more than I have time to wait. Ive seen complaints of wait time to reach someone is 2-3 hours from other complaints. I have a job and obviously for sure cant reach them on a weekend. In total Ive paid them $ XXXX and XXXX cant even talk with anyone or get an update on whats going. Its definitely starting to seem like a fraud of a company.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened two previous cases with CFPB and they have both been closed with only partial resolution. TD Bank is not taking this process serious and has damaged my credit score over XXXX points and cost me a loan approval in the process. 


XXXX XX/XX/XXXX Closed without reading or even addressing any issues XXXX XX/XX/XXXX Closed with partial correction of issue but inaccurate information on reply In reply to the last case ( XXXX ) that was closed : The timeline on XX/XX/XXXX and information does not make sense and is not accurate. 

XX/XX/XXXX I called to pay off owed amount for Plan 1, they said they were unable to do that directly and to do it online, they gave me the amount of {$450.00}. I went online and setup the payment but it wasnt allowing me to pick just Plan 1. I called back and they said it wouldnt just be to Plan1 that wasnt an option and some would apply to Plan 2 so I needed to explain that in a ticket. I canceled the payment of {$450.00} and put in a Ticket # XXXX to pay that amount of for Plan 1. That ticket was closed as complete by TD Bank on XX/XX/XXXX. 

I have visual proof of TD Bank Closing Ticket # XXXX as complete and it was more than any minimum payment requirement. So there should be NO late charges nor should my credit score ever have been reported as late. 

So the timeline put in the dispute doesnt make sense and that amount would have kept all late fees from being charged. 

Why would they close my case ( the only thing I am able to prove because of a screenshot ) on XX/XX/XXXX if it was resolved on XX/XX/XXXX like they are claiming. This is clearly AFTER the phone calls and I was following directions from the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
This company is reporting a XXXX collection account on my credit reports. The original creditor never bothered to notify me prior to turning this account over to this collection agency. This is now beyond the statute of limitations in Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
AMERICAN EXPRESS CHARGED MY PERSONAL CARD WITHOUT MY AUTHORIZATION ON XX/XX/year> IN THE AMOUNT OF {$270.00} ON MY PERSONAL CREDIT CARD AND TRANSFERED THIS AMOUNT TO MY BUSINESS ACCOUNT. 
THEY PROVIDED UNREASONABLE REASONS THAT THEY OVERCHARGED MY ACCOUNT AND CREDITED TO MY ACCOUNT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Freedom Mortgage began the foreclosure proceedings after receiving the Louisiana HAF payment. They applied the payment late, as the payment was remitted in XXXX of XXXX, and they applied the funds in XX/XX/XXXX. They then sent notice that they would not be foreclosing. The HAF program told us that we were to have a loan modification, but Freedom never sent one. They only sent vague loss migration documents that were from a part of their company thats no longer licensed. On XX/XX/XXXX, we received a letter from XXXX XXXX, XXXX as counsel for Freedom Mortgage Corporation, acting as debt collector, seeking to validate the debt of arrears. I sent an email through the response portal to XXXX XXXX, and on XX/XX/XXXX, they had already submitted a request for Executory Foreclosure. This was signed by the judge on XX/XX/XXXX. Their proof in filing was an along to the promissory note, endorsed by the loan originator ( who is listed as lender and nominee for XXXX  ), and the mortgage. I sent a Respa request through their counsel for proof of loan ( as they are stating we have a USDA loan and its been confirmed repeatedly that we do not, by the USDA themselves ), and for a full accounting from loan inception, including canceled checks, payments to whomever holds the loan, etc. We received a letter/packet at the end of XXXX stating that the loan was USDA ( again, it isnt ) and that it is in a XXXX XXXX XXXX XXXX Freedom claims to remit payment to XXXX XXXX and that XXXX XXXX then disperses payments to investors. XXXX has told us repeatedly that they do NOT do this. Freedom refuses to provide us with the servicing contract for XXXX XXXX, or provide any type of identification to validate that the loan is actually in a XXXX XXXX pool. XXXX XXXX provides consumers with an account set up and tools to search for their loans in the pools. You need the identifiers, such as pool ID or XXXX. In accordance with the XXXX  migration that Freedom provided us the last time we lodged a complaint against them, XXXX XXXX closed the loan and took full possession of it on XX/XX/XXXX. This was due to a deficiency or defect that the originator was to have fixed. If they did not, and they didnt, then the loan was considered in default on the part of the LENDER and the LENDER was responsible for repayment to XXXX.we, the borrowers, we NO longer responsible for remittance. Freedom Mortgage did NOT notify us, and continued to take our payments and steal our money. They are now demanding that the writ and seizure be served upon us. We need help and no lawyer will take this because its too large, and we dont have the money. Freedom Mortgage is once again in contempt of court orders from CFPB!!!

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