vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX on review of my credit report I discovered inaccurate report of my address I also observed hard inquiries on my report for which l did not consent. These are the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-10 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: NC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; 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 accounts 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 this item from my consumer 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 2024-12-10 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OZK
State: VA

Complaint narrative:
We purchased an XXXX XXXX XXXX from XXXX of Virginia financed through Bank OZK. 
We were offered an option by the dealership to defer our first payment to XX/XX/XXXXXXXX   ( 90 days ), which we accepted. 
Our contract does not indicate anything related to being charged interest for XXXX, XXXX or XXXX-but when we started making our payments, the entire amount was being applied towards the interest. 
We were told that we had to pay the interest for the months we had the vehicle and were not making a regular payment. So when we started making our payments, nothing was applied to principal. 
We feel like the contract, lack of disclosure was deceptive and unfair to us as we had no idea we would start off owing so much in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY 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 2024-12-10 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: CA

Complaint narrative:
since XX/XX/XXXX, and every month their after I have sent dispute letters to the credit bureaus attaching personal identification to those letters which included an id, social and a utility bill. Asking them to validate and verify the accounts they have inaccuracies of. Which was not done on any occasion. I was never given a letter or response to the matters at hand. 


Also look at account XXXX XXXX XXXXXXXX that should have already been deleted. 

I am writing to demand the immediate and permanent deletion of the following account, which has been deleted multiple times in response to my previous disputes but continues to be reinserted onto my credit report without proper notification or validation. This repeated reinsertion violates federal laws governing the accuracy and handling of consumer credit data. 

Violations and Discrepancies : Repeated Reinsertion Without Notification : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ], an account that has been deleted can not be reinserted into a credit report unless verified, with written notification sent to the consumer within five business days. I have received no such notice, making this reinsertion unlawful. 

1. Inconsistent Account Details Across Bureaus : Account Numbers differ between XXXX and XXXX reports. Date Opened discrepancies exist between XXXX ( XX/XX/XXXXXXXX  ) and TransUnion ( XX/XX/XXXXXXXX  ). 
Credit Limit discrepancies show {$0.00} on XXXX but {$750.00} on XXXX and TransUnion. 
High Credit discrepancies show {$1100.00} on XXXX and TransUnion but {$0.00} on XXXX. 
These inaccuracies violate FCRA, Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure the maximum possible accuracy of the data they report. 
2. Failure to Validate the Account : Despite my disputes, no proper validation of this account has been provided, violating FCRA, Section 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ], which obligates credit reporting agencies to provide accurate and complete information about the disputed 3. 4 of 7 item. Contradictory and Inconsistent Reporting : Date Last Active varies significantly across reports : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Payment History is inconsistent across bureaus, with XXXX showing 90 delinquencies at 67 months, XXXX at 2 months, and TransUnion at 0 months. 
Such contradictions further breach the FCRA, Section 607 ( b ) requirement for accuracy.

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 2024-12-10 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-10 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-10 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: CT

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from, XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Midland Credit Management In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
My mortgage was transferred Mr Cooper powered by XXXX XXXX to Mr Cooper on XX/XX/year>, and I was informed it was the same company but that it operated separately. My monthly payment remained {$1300.00} as it has been for several years. They increased my mortgage by {$33.00} under the premise that it was for escrow repayment of a check of approximately {$400.00} that was sent to me. I did receive the check but I wanted my monthly mortgage payment to remain the same, so the customer care advocate from Mr Cooper directly me to endorse the check over to them and mail to their address. I followed their directions but they never removed the extra $ XXXX charge. Over the course of four months, eight phone calls, and two escalation tickets to resolve this matter it has not been resolved. I was informed that it would be fixed on three separate occasions, and the {$33.00} would be removed and the money I paid reimbursed to me, but this never happened. I am now being told there is nothing they can do to fix this issue and the company apparently is not even reading the details of the three escalation tickets I filed online because I am receiving responses from them that do not even address the concern escalated, It has been several months and I have been patient. I want the {$33.00} removed for my account and the 8 months of this {$33.00} reimbursed to me ( {$260.00} ). Secondly and separately they are now escrowing an additional $ XXXX on my behalf without my request or consent. Their customer care advocate informed me three times that this escrow would be removed but it still not has been removed and it has been seven months. I have been a homeowner for 30 years and I have never escrowed. I have an A+ credit score. This is unacceptable and unprofessional, and if this matter and I truly appreciate your help to resolve this matter. Mr Cooper did not follow through with their multiple promises to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-10 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: FL

Complaint narrative:
The following account is showing on my credit report with just XXXX, no account number, I checked with XXXX XXXX XXXXXXXX, but they told me I should file a report since I do not recognize this account and I suspect identity theft. 

The account is as follows : XXXX XXXX XXXX XXXXXXXX {$7200.00} XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
The following account is showing on my credit report with just XXXX, no account number, I checked with XXXX XXXX XXXXXXXX, but they told me I should file a report since I do not recognize this account and I suspect identity theft. 

The account is as follows : XXXX XXXX XXXX XXXXXXXX {$7200.00} XX/XX/year>

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 2024-12-10 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:
My name is XXXX XXXX, and Im writing to file a complaint about several fraudulent accounts that have been added to my Experian credit report. These accounts were opened in my name without my knowledge or consent, and theyve caused significant damage to my credit score and my ability to move forward in life. 

Heres a list of the fraudulent accounts and information Ive identified : 1. XXXX XXXX, Account Number : XXXX, Balance : {$17000.00} 2. XXXX XXXX, Account Number : XXXX, Balance : {$10000.00} 3. Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX. Address : XXXX XXXX XXXX XXXX, Fl XXXX Ive already taken the necessary steps to address this issue. Ive filed disputes with Experian, submitted an FTC Identity Theft Report, and even filed a police report. Despite all of this, these accounts are still on my credit report, and theyre continuing to harm me. 

UnderFCRA Section 605B ( 15 U.S.C. 1681c-2 ), Experian is required to block and remove fraudulent information from my credit report once Ive provided proper notice and documentation, which I have. Im asking for Experian to comply with this law and immediately remove these accounts from my credit report. 

This situation has had a devastating impact on my life. Because of these fraudulent accounts, Ive been denied the ability to secure an affordable home, purchase a reliable car, and improve my financial situation. Its incredibly frustrating to know that my credit report is being weighed down by accounts that I didnt open, and Experians failure to act is only making things worse. 

Im asking for the CFPBs help to ensure that : 1. Experian immediately blocks and removes all fraudulent accounts from my credit report.

2. Experian notifies any parties who accessed my credit report in the past six months of the corrections made.

3. Experian complies fully with its obligations under the FCRA to resolve this issue and prevent further harm to my credit profile. 

If Experian doesnt take the necessary steps to resolve this, Im prepared to escalate the matter further, including pursuing legal action to recover damages caused by their inaction. 

I am expecting quick compliance in the required time frame, I appreciate your full attention with respect to this matter. 

Sincerely, 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 2024-12-10 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: AR

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I have worked with my mortgage servicer to bring my mortgage current. 
I have been approved for several trial modification they accept my trial payments, cancel the permeant modification. I have a FHA loan on my house PHH has given me misleading information and they have made mistakes servicing my loan. Signed several documents for PHH to make PMI claims on my mortgage they PHH is not a good servicer. When I call customer service with PHH I have spoken with customer service and loss mitigation I am given misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
I am reaching out for your assistance concerning the false account on my credit report. This issue has tarnished my reputation as a customer, and I need your help in having these wrongly reported accounts 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 explanation
Consumer complaint received 2024-12-10 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: MD

Complaint narrative:
I am 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 across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief