vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
Vanderbilt mortgage requested me to send in proof of insurance for the year of XX/XX/XXXX to XX/XX/XXXX. I have attached proof of my homeowners insurance policy with flood insurance included. Vanderbilt mortgage keep complaining about me not having flood insurance, but I have always had it included in my physical damage insurance, but they still bill me for a separate flood insurance policy, XXXX XXXX XXXX XXXX of {$570.00} annually for the coming year in advance, but I know I didn't authorize this policy this year with farmers. But Vanderbilt mortgage still refuses to remove it from my escrow account which is causing escrow shortage deficiency to be more than it should be. 
XXXX XXXX company is the only insurance company I have authorized to provide my homeowners insurance for the year of XX/XX/XXXX to XX/XX/XXXX or any other year before this coming year. 
XXXX XXXX company has confirmed and assured to me that homefirst insurance is, and has been since XX/XX/XXXX the only policy they have as my homeowners insurance provider. And is the only insurance company provider for the coming year of XX/XX/XXXX through XX/XX/XXXX ; Vanderbilt mortgage must remove that flood insurance policy of {$570.00} from this coming year of XX/XX/XXXX through XX/XX/XXXX from being my homeowners insurance provider, which is being paid to XXXX insurance, because I have not spoken with XXXX insurance since XX/XX/XXXX when I last asked them about a cancellation I requested of a policy with them in XXXX of XXXX, so I definitely didn't authorize Vanderbilt mortgage nor XXXX XXXX to renew any policy with XXXX  for this year nor did I give XXXX  any authorization to be my homeowners insurance provider. 
( Please see proof of attachments )

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: SC

Complaint narrative:
Information below shows on my background report and is inaccurate. I have aready reached out to XXXX XXXX and there is no record of this information. This needs to be moved form my bakground report. There are no actions against my license with the board. Thank you Case Reference # XXXX Name on File XXXX XXXX Sentence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : INACTIVEBOARD PUBLIC ACTION HISTORY : NO ORDERS FOUNDLICENSE & AMP ; ACTION URL : XXXX : XXXX XXXX Record Source FRAUD & ABUSE CONTROL INFORMATION Search Results No Record Found Search Type FRAUD & ABUSE PLUS OFAC SEARCH LEVEL XXXX Date of Search XXXX Given Name Searched XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
On or about XX/XX/year> i notified Transunion that there were some things on my credit report that I did not recognize. I sent them instructions to block and delete the accounts due to the Data Breach ( 15 USC 1681c-2 ( a ) which were in accordance with 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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
ACCOUNT # XXXXThese debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXXXXXX XXXX and XXXXXXXX XXXX EST. Dont send any mail whether its XXXX XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
Subject : Urgent Complaint Against Aldous and Associates for Illegal Debt Collection Practices and Inaccurate Credit Reporting To Whom It May Concern : I am filing this complaint against Aldous and Associates, a debt collection agency based in Utah, for violating multiple federal and state laws related to debt collection and credit reporting. This matter is urgent as it is causing me significant financial harm and undue stress. 

Summary of the Issue : Aldous and Associates inaccurately placed a derogatory mark on my credit report, claiming I owed a debt that I do not. When I requested debt validation, they sent me a letter stating that they contacted the original creditor, who confirmed that I did not owe the debt. Despite this confirmation, Aldous and Associates have failed to remove the inaccurate information from my credit report as promised in their letter. They stated the mark would be removed by the end of the month, yet we are now in 2025, and the derogatory mark remains. 

This delay and inaction are unacceptable and have severely impacted my creditworthiness, limiting my ability to obtain credit, housing, and other essential financial opportunities. I have attached a copy of the letter from Aldous and Associates acknowledging that the debt is invalid and promising to remove the derogatory mark. 
Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Prohibits false or misleading representations. By failing to promptly correct the inaccurate debt after acknowledging its invalidity, Aldous and Associates have engaged in deceptive practices.

15 U.S.C. 1692f : Prohibits unfair practices. Their inaction in removing the invalid debt from my credit report constitutes an unfair practice.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Requires furnishers of credit information to provide accurate data. Aldous and Associates failed to ensure the accuracy of the information they reported to the credit bureaus.

15 U.S.C. 1681i ( a ) : Requires prompt investigation of disputed information. Their failure to promptly correct my credit report after verifying the debt is invalid violates this provision.

State Licensing Laws Aldous and Associates is not licensed to collect debts in the state of Louisiana, as confirmed by the XXXX Consumer Access database XXXX XXXX XXXX XXXX XXXX Their attempts to collect a debt without proper licensing violate state laws governing debt collection activities.

Financial and Emotional Impact : The inaccurate derogatory mark on my credit report has caused the following : Denial of credit applications, resulting in lost opportunities.

Increased financial strain due to higher interest rates on existing accounts.

Emotional distress and XXXX due to the ongoing unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I recurve a copy of my credit report.. I am concerned about the infirmary being reported. Please investigate the following accounts, because I do not believe the information to be accurate. Please remove the inaccurate information from my credit report. NCA. Last for digits of ss # is XXXX I didn't open this account that is in direction violation of 12 CFR 1006. 34C ... 12 CFR 1006.6C.. 15 US 1682 e ( b ).. US 15 1681s- ( 2 ) A According to the FCRA , accounts that have been disputed by the consumer, must be noted as such. I have repeatedly stated that this account was opened up fraudulently. Your failure to investigate this account, and notate it as such is in violation of the FAIR CREDIT REPORTING ACT! please remove it Immediately from all three credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX attempted to obtain my credit report via annual credit reporting. XXXX and Trans Union would not respond stating my account couldnt be released because it was locked up for promotional reasons. 

Attempted to obtain credit reports from XXXX and trans union on two separate occasions in XXXX. Provided necessary and needed documentation to annual credit reporting. Trans Union and XXXX stated that I did not provide correct information. On both occasions. 

XX/XX/XXXX, I attempted to apply for a XXXX card to improve my credit. I keyed in my name and my Social Security number and I could not be verified. 

On the same day, I applied for a XXXX XXXX  credit card. My address could not be verified.

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 2025-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
I never took out a loanAccount name XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/year> Status Open. {$5.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$400.00} Balance updated XX/XX/year> Recent payment $ 20 Monthly payment {$25.00} Original balance {$600.00} Highest balance {$0.00} Terms 24 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due 30 days Payment history guide 30 days past due as of XX/XX/year>, XX/XX/year>, XX/XX/year> By XX/XX/year>, this account is scheduled to go to a positive status. 

Balance history XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XXXX 2024 Additional info The original amount of this account was {$600.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX, NY XXXX Services Tools Support Get the free XXXX app : Follow us : Contact Us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-02 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:
i recently review a copy of my credit report and noticed i had fraudulent account on my report please remove these accounts from my report its hurting my ability to abtain creditt

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 2025-01-03 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: GA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-03 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: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
I disputed an inaccurate entry on my credit report with XXXX regarding a debt reported by LVNV Funding ( original creditor : XXXX XXXX XXXX  ). The dispute was initiated because LVNV Funding failed to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I had sent multiple requests directly to the collector asking for validation of the debt. However, they only sent a bill on XX/XX/year>, which does not constitute valid debt validation. Additionally, I did not receive a validation notice before the account was reported to my credit file, which is a violation of FDCPA requirements. 

XXXX investigation concluded on XX/XX/year>, but it did not resolve the issue. XXXX accepted the collector 's claims without ensuring the debt was properly validated. The debt remains on my credit report, despite its unverified status, causing ongoing harm to my creditworthiness. 

I believe XXXX investigation failed to address my dispute adequately, as the account remains inaccurate and unverified. I am requesting that the inaccurate account be removed from my credit report until the debt is validated according to the law.

Company response to consumer: Closed with explanation