vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: VA

Complaint narrative:
Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all adverse remarks for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I had an account at XXXX which was acquired by Ally several years ago. The account just sat. I attempted to login last week and was unable to do so. I called and was asked a bunch of questions about information they said they pulled from public data. They told me they were unable to verify me, despite the fact that I had verified every piece of personal information. They denied me access to the username and password to login to the account that I have had for many years because I don't recognize some random information they pulled from wherever. I was told that someone would call me. NO one called. I got an email saying to call in again. So I did .... same thing with questions about random information. I was told again that someone would follow up with a call. I got no call. I got another email saying to call back again. So I did... Same thing with questions about random information and then I was told that I had to send them documentation to prove who I am... ..based on the fact that they pulled random information that I don't recognize. I asked them to escalate the matter. I was told that I would receive a call from someone to assist. No call. Today, I received another email saying to call back again. So I did... I was told again that I needed to send in a Driver 's License and Social Security Card. Who said that I have a driver 's license? Everyone does not drive. So I was told by XXXX that I needed to go get a state-issued ID or passport or they would not allow me to access my account. I asked XXXX to escalate the call, and he refused. He said that he would not do anything to help until I went to get a state-issued ID or passport and social security card. Naturally, I called my attorney who advised me to call back and just take a wild guess at the questions about random information prior to taking legal action. I spoke with XXXX. XXXX advised that he was unable to ask me the questions about the random public information data that came from wherever...

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Recently checked my credit report and found accounts I believe are fraudulent. Request swift action to block and remove them.

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 2024-11-04 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:
This letter serves as a final demand for the immediate removal of unauthorized hard inquiries from my credit report, as outlined in my previous communication. I have thoroughly reviewed my report and identified several inquiries that were made without my authorization or explicit consent, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit score and reputation.

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 2024-11-04 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: MD

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-11-04 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: MS

Complaint narrative:
Subject : Complaint Against XXXX for Violations of 15 USC Chapter 41 and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX for their continuous violations of the Fair Credit Reporting Act ( FCRA ), as outlined under Title 15 USC, Chapter XXXX. XXXX has reported incorrect and inaccurate information on my credit report, which has caused significant harm to my financial stability and infringed on my consumer rights. 

1. Violations of 15 USC Chapter 41 XXXX has failed to comply with several key provisions of the FCRA, including but not limited to : 15 USC 1681e ( b ) - Ensuring Maximum Possible Accuracy : Credit reporting agencies are required to maintain accurate and up-to-date information on consumer reports. My report contains errors and misleading information that have not been corrected, despite my previous disputes.

15 USC 1681i - Failure to Investigate Disputes : XXXX is obligated to conduct a proper investigation of disputed information. I have submitted disputes regarding inaccuracies, yet XXXX has not adequately investigated or corrected these errors. 
15 USC 1681s-2 - Responsibility of Furnishers : XXXX has failed to ensure that information furnished by creditors is accurate and has not appropriately notified these furnishers of disputes.

2. Harm Caused by Inaccurate Information The incorrect reporting on my consumer report has had a severe impact on my credit score and has adversely affected my ability to obtain credit, secure favorable interest rates, and pursue financial opportunities. This has resulted in financial and emotional distress, violating my rights as a consumer. 

XXXX. Specific Inaccuracies Reported Example : Account Number XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX : The account is incorrectly reported as a Charge-off with an unpaid balance of {$420.00}. Despite my evidence and multiple disputes, XXXX has failed to correct or delete this inaccurate information. 
Requested Actions by CFPB Conduct a Comprehensive Investigation : Investigate XXXX 's practices concerning the handling of consumer disputes and the maintenance of accurate credit reporting. 
Hold XXXX Accountable : Impose necessary penalties and require XXXX to comply with the FCRA, including correcting or removing the inaccurate information. 
Mandate Consumer Relief : Ensure that XXXX provides an updated credit report reflecting accurate and fair information, and offer remedies for the harm caused. 
Supporting Documentation I have attached copies of my credit report, dispute letters, and additional evidence to support my claims. 

I urge the Consumer Financial Protection Bureau to take immediate action to protect my rights and hold XXXX accountable for these serious violations. Thank you for your attention and assistance in addressing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: PA

Complaint narrative:
My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Thomas & Thomas Attorneys and Counselors at Law, LLC
State: PA

Complaint narrative:
I am writing to file a formal complaint against Thomas and Thomas LLC for knowingly reporting inaccurate and potentially deceptive information related to an alleged debt under my name. This complaint is based on violations of my consumer rights, and I am requesting urgent attention to this matter.

Thomas and Thomas LLC has reported information on an account for which I have no prior knowledge or relationship. I have never maintained an account or signed any contract with this company, nor have I resided in the state they have listed in their records. I have formally requested that Thomas and Thomas LLC provide a comprehensive description of the verification process they used to authenticate this alleged account. 
To date, I have not received any valid authorization or evidence substantiating the debt. The reporting of this alleged debt without adhering to proper disclosure requirements contravenes my rights under federal law. Specifically, the companys failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) is a direct violation of U.S. consumer protection regulations. Thomas and Thomas LLC is not authorized to collect debts in my state, raising further concerns about their legitimacy and adherence to federal and state laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
I am disputing the charge-off status and details of the above-referenced XXXX XXXX  account that appear on my credit report. I believe the information is inaccurate and unverifiable, as required by the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) and 1681i ( a ). Therefore, I request that Experian delete this account from my credit report.

Inaccuracies and Grounds for Deletion Unverified Balance and Charge-Off Amounts This account reflects a balance of {$16000.00}, which exceeds the stated c
redit limit of {$16000.00}. Such inconsistencies suggest that Experian has failed to maintain accurate and verifiable data on my report, as mandated under 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Errors in Payment History Reporting The account includes repeated charge-off notations ( CO ) along with delinquency codes that do not align with XXXX XXXX XXXX. This failure to consistently and clearly report the payment history may lead to misrepresentation of my credit history. Under 1681i ( a ), Experian is required to promptly delete or correct any data it can not verify as accurate.

Overlapping Delinquency Statuses The overlapping XXXX XXXX, XXXX, and other delinquency codes inflate the severity and duration of my payment history. This inaccurate information does not comply with 1681e ( b ), which requires Experian to provide maximum possible accuracy in reporting. If Experian can not verify each of these entries, I request the deletion of this account as mandated by 1681i ( a ) ( 5 ).

Non-Compliance with Verification Standards According to 1681i ( a ) ( 1 ), once a consumer disputes information, the credit reporting agency must conduct a reasonable reinvestigation. If the information can not be verified, it must be deleted as required under 1681i ( a ) ( 5 ). The inconsistencies in the accounts balance, credit limit, and payment history suggest that verification may not be possible.

Request for Deletion Given the issues identified above, I request that Experian delete the XXXX XXXX  account from my credit report entirely if it can not verify the information as accurate and complete under FCRA guidelines. 


This letter serves as a formal dispute under the FCRA. I expect Experians response within the 30-day period specified by 1681i ( a ) ( 1 ). If Experian can not verify the disputed information, please delete it from my credit report as stipulated by 1681i ( a ) ( 5 ).

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 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am writing to express my extreme dissatisfaction with the recent actions of NewRez and its contracted asset management company XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Newrez Mortgage sent XXXX XXXX XXXX, without any prior notification or authorization, accessed our property. During this unauthorized entry, representatives of the company took photographs of our home, inspected the interior, and posted a threatening note on our door. This note falsely claimed that our property was vacant and abandoned and threatened to change our locks and drain our plumbing. 

Despite immediate contact with NewRez on XX/XX/XXXX and XXXX to dispute these false claims and express our concern over the unauthorized entry and threats, NewRez failed to provide a reasonable explanation and took no action to prevent further harassment. 

I asked NewRez to provide why they inspected the property. They would not provide details. I did receive details of the inspection. The inspection stated that the property was well kept in both the interior and exterior and was OCCUPIED. 

To our utter disbelief, XXXX XXXX XXXX returned to our property on XX/XX/XXXX, with the intention of changing our locks. This repeated intrusion, without any justification or prior notice, is a clear violation of our privacy and constitutes harassment. 

We have consistently met all our mortgage obligations and have not missed a single payment. There is absolutely no reason for this aggressive and disruptive behavior. 

As of XXXX XX/XX/XXXX Newrez/Shellpoint Mortgage still is unable to explain why they continue to send an asset management company out to our house. 

Could you imagine coming home to having your locks changed with absolutely NO justification? We demand that NewRez immediately cease all unauthorized access to our property and instruct XXXX XXXX XXXX to desist from any further actions. We reserve the right to pursue legal action if these intrusions continue. 

We expect a prompt and satisfactory resolution to this matter.

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 2024-11-04 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: FL

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, XXXX, and 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 2024-11-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation