vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
My home loan was former through XXXX. Everything was fine and I never missed a payment. My Escrow, Insurance and taxes were supposed to be all taken care off. Then find out after NewRez has my loan my payment went from {$1300.00} to {$1600.00} and is currently at {$1500.00}. 

They claimed my escrow was in negative. Which was news to me as I never missed a payment. It seems XXXX had done something and lost my escrow. I have proof from the title company that they paid the escrow for the first year. Yet despite showing proof they refused to accept any responsibility. 



I will provide proof in the document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: AZ

Complaint narrative:
15 US CODE 1681A TITTLE definitionS RULES OF CONSTRUCTION PARAGRAPH 2 OF THSI TITTLE EXCLUSIONS AND SUB PARAGRAPH A SUBSECTION I STATES THAT TRANSACTIONS ARE NOT INCLUDED IN THE CONSUMER REPORT XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: AZ

Complaint narrative:
15 US CODE 1681A TITTLE definitionS RULES OF CONSTRUCTION PARAGRAPH 2 OF THSI TITTLE EXCLUSIONS AND SUB PARAGRAPH A SUBSECTION I STATES THAT TRANSACTIONS ARE NOT INCLUDED IN THE CONSUMER REPORT XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT

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 2023-10-19 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I received notice of an unauthorized inquiry on my consumer report. I contacted Equifax 7 times today and everyone gave me the run around or hung up in my face. They REFUSED to remove this unauthorized inquiry off my consumer report. I have filed a FTC report regarding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — FHA 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: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
XXXX XXXX requested from XXXX XXXX to end of the XXXX Forbearance on or about XX/XX/2023. XXXX XXXX received a correspondence dated XX/XX/2023 from XXXX XXXX outlining the Current Payment and Terms of which they contend includes a Partial Claim Amount of {$77000.00}. This is incorrect, there is no partial claim. Additionally, instead of assisting the consumer with modified terms that are rational in nature [ and non-predatory ], they instead are selecting to put consumers in a predicament that puts them further in debt and worse, puts their homes at risk of foreclosure. This is evident in the Estimated Modified Payment and Terms that XXXX XXXX is proposing on the letter : i. Increase interest rate from 3.125 % to 8.000 % ii. Change remaining terms from 360 to 480 months iii. Change total monthly payment amount from {$1300.00} to {$1900.00} The amount in arrears as of XX/XX/2023 is {$5000.00}. XXXX XXXX instead of rationally deciding to place this arrears amount to the end of the loan, they choose predatory practices by extending loan term 10 years and changing interest rate to more than market rates for a primary home. In addition, XXXX XXXX and the loan servicer, Lakeview Loan Servicing , LLC. are failing to adhere to SCRA Protection as a member of the military. XXXX XXXX asks the Consumer Finance Protection Bureau and the Office of the Comptroller to thoroughly review of the above-named mortgage servicers lending practices. 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have XXXX late payments being reported by Capital One. They are being reported on a credit card that I had during the covid XXXX pandemic. I have had it paid off in full as of XX/XX/XXXX. I called on XX/XX/XXXX to request some type of action taken to help remove these late payments, due to the fact that I have not had a single late payment, or missed payment on my credit report since this incident. Including on an auto loan that was approved by Capital One Auto Finance on the date of XX/XX/XXXX in the amount of {$28000.00}. I have made every payment on time. Due to the C.A.R.E. act I wanted to have some if not all of these late payments removed from my credit report due to the hardships felt by myself and my family during the pandemic. The women I spoke with over the phone on XX/XX/XXXX told me that there is nothing that she can do for me, because they are not a credit reporting agency. I simply want these off my credit report, because they do not represent my ability to pay my bills on time shown on the entirety of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX or XXXX XXXX XXXX Account Number : XXXX The collection payment history is inaccurate across all XXXX credit bureaus and I have no proof that this alleged debt belongs to me. 
Consumer Reporting Agencies are pretty important and should maintain positive accuracy by law. 
I'd be really grateful if you could check into this for me. Could you send me copies of the statements that show that this collection account is mine and belongs to me? 

Thank you so much for checking on this for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed complaint number XXXX on the CFPB website on XX/XX/ in reference to inaccurate information i saw on my credit file. I have attempted to address the inaccuracy numerous times with Trans Union. Because this company receives monetary gain from the negative information on my file Trans Union refuses to acknowledge the document I received from a government source that substantiates the claims that this account is paid in full. Trans Union has admitted to not investigating nor reinvestigating the information and to carelessly allowing me harm to my financial standing. Trans Union has updated dates and other information related to the account but not the paid in full status. I am continuously held XXXX by Trans Unions lack and protection of my intimate relationships.

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 2023-10-19 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: PA

Complaint narrative:
On XX/XX/ I sent a letter by certified mail to XXXX & Experian with a copy of my social security card, driver 's license & a utility bill proving to them that they have been incorrectly reporting my personal information. Also, there are incorrect phone numbers listed as well. The U.S. Postal Service showed that the mail was delivered and received by XXXX & Experian since it was sent by certified mail. XXXX is reporting my name as XXXX XXXX. However, my social security card & driver 's license reports my name as XXXX XXXX XXXX. XXXX is violating my rights. This is my only name so it should only be reported as XXXX XXXX XXXX. Also, my only phone number is XXXX. XXXX is reporting XXXX. XXXX is violating my rights since they are reporting incorrect information. Experian is also reporting my name as XXXX XXXX and XXXX XXXX XXXX. They are violating my rights since they are incorrectly reporting my personal information. I have only one name which is XXXX XXXX XXXX. Experian is also reporting incorrect phone numbers. I only have one phone number which is XXXX. Experian is reporting XXXX & XXXX. It has been 30 days and I have not received a response from either Credit Reporting Agency, so this is another violation.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following itemsfrom my file. 

XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXBalance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance Owed : {$180.00} ; 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 non-monetary relief
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following itemsfrom my file. 

XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX LA XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXBalance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXXBalance Owed : {$180.00} ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unable to get my free annual credit reports from Equifax, or to login to myequifax.com because they claim they can not verify me. I have called numerous times, today being the most recent time, and after giving them all of my personal information, and providing pictures of myself and my photo ID, they say that their computer is unable to verify me... this has been going on for awhile... I have no idea what to do at this point. They asked me to mail in a picture of my photo ID and my social security card, and to write up and explanation of what is going on and they will try to take care of it. I tried this previously and nothing was done. As a consumer, I am trying to exercise my right to review my credit report for accuracy and they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: MO

Complaint narrative:
I am writing to formally file a complaint against your credit bureau regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit file. Despite my continuous efforts to correct these discrepancies, my credit report remains marred with inaccuracies, negatively impacting my financial well-being. 

I have made several efforts to dispute these inaccuracies by following the procedures outlined by the Fair Credit Reporting Act ( FCRA ). Each time, I have provided all necessary documentation and supporting evidence to substantiate my claims. 

Despite my XXXX attempts to resolve these issues, I have encountered the following problems : My previous dispute letters and supporting documents seem to have gone unanswered, leaving me in the dark about the status of my disputes. 

The delay in addressing these inaccuracies has resulted in financial hardships and lost opportunities for me. 
The presence of these inaccuracies is severely damaging my credit score, making it difficult for me to access fair lending terms and credit opportunities. 

I am frustrated by the lack of responsiveness and efficiency in addressing my concerns. I understand the importance of accurate credit reporting, and I am fully committed to working with your credit bureau to ensure the correctness of my credit file. 

I request that you conduct a thorough investigation into these inaccuracies, rectify them promptly, and keep me informed about the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts to verify my attempts to rectify these inaccuracies. I am asking for your assistace to remove the following inaccurate items in my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/2023 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance Owed : {$81.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7100.00}.

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 2023-10-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$81.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$7100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: GA

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX, AMEX XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: TekCollect Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX, XXXX XXXX, TEK COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.

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