vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Dear XXXX Bank XXXX XXXX XXXX am writing to address an issue with my mortgage account, which is showing an unfair and irregular payment history from XX/XX/XXXX to XX/XX/XXXX, indicating late payments. I do not recall ever being late on this account. I recently spoke with your customer service representative, who was also puzzled as they did not see any record of late payments. 

During the XXXX pandemic, I applied for forbearance due to severe medical emergencies, and I was informed that this would be reflected at the end of the mortgage term. Now, as I am in the process of refinancing my home, my loan XXXX has noted that I have been marked late for nearly 10 months. This discrepancy is unclear to me, as I believe I made all required payments when I received my statements. It is possible that my statements did not reach me, or that payments were not applied promptly. 

Given our positive relationship, I kindly request the removal of the XXXX late payment from my credit report and a refund of any late fees assessed. Additionally, under the provisions of XXXXCBA ( 15 USC 1666b ), FCRA ( 15 USC 1681i ), and FDCPA ( 15 USC 1692g ), I am requesting the immediate deletion of these inaccurate reports. 

I hope we can resolve this matter promptly and continue the positive experience I have had with your institution. Thank you for your assistance. 

Sincerely,

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 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( MCM ) due to their failure to validate a debt and refund payments I made under the assumption that the debt was valid. 

Details of the Complaint : On XX/XX/year>, I sent a letter via certified mail to XXXX XXXX XXXX  requesting validation of a debt that they claimed I owed. In this letter, I also asked for proof that this information had been sent to me prior to being added to my credit report. 
Despite the certified mail, as of XX/XX/year>, I have received no response from XXXX XXXX  Management. 

On XX/XX/year>, I sent a second letter via certified mail, reiterating my request for validation of the debt and requesting a refund of all payments I had made. I made these payments under the assumption that the debt was mine, but I now require validation to confirm this. 

To date, XXXX XXXX XXXX has failed to respond to either of my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX writing to formally request the removal of certain accounts from my credit report due to inaccuracies and discrepancies. Under the Fair Credit Reporting Act ( FCRA ), it si mandatory for al XXXX XXXX XXXX ot report accurate and verified information. Thsi requirement includes ensuring that accounts are correctly reported and consistent XXXX al credit bureaus. 
Upon reviewing my recent credit report, I have identified that some accounts are not matching or are incorrectly reported when compared ot other credit bureaus. According ot the FCRA, if an account is not verified and consistently reported across al credit reporting agencies, ti should not remain on my credit report. 
XXXX that you immediately investigate and rectify these discrepancies. fI the accounts can not be verified as accurate and consistent across all credit reporting agencies, I demand their removal from my credit report. 
Please provide a written response within 30 days from the date of this letter confirming the actions taken or provide me with an explanation fi the accounts are to remain on my report. 
Thank you for your prompt attention 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 non-monetary relief
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 2024-08-19 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: LA

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 explanation
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to XXXX XXXX XXXX c and FCRA Section XXXX you have violated my rights by lawful communications. Please remove these items off of my credit report. I am a victim and this needs to be handled immediately before I take legal actions. 

Please read the enclosed documents.

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 2024-08-19 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: FL

Complaint narrative:
According to 15 USC 1692 c and FCRA Section 605C you have violated my rights by lawful communications. Please remove these items off of my credit report. I am a victim and this needs to be handled immediately before I take legal actions. 

Please read the enclosed documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm positioning to offer my hesitation concerning the gave records a shot my credit report. On different occasions, I have raised the issue of mistakes in these records, and have persistently suggested that they be overall around isolated. Regardless of my endeavors, I in a short time plainly can't get any goal or fixing development. These off track records are really harming my credit report and dissuading my capacity to occur with an ordinary life. The hostile results of these goofs have caused colossal difficulties for me, and I'm left with no decision close to fight for your help with moving an eye on what's along on at the earliest entryway. I cautiously demand that you direct an exhaustive evaluation concerning the principal of these attempted records. It is fundamental that the critical advances are taken to empower and change my credit report right away. With your assistance, I truly need to reestablish the precision and standardness of my credit record so I could recover command over my cash related flourishing. I truly ask you to introduce this matter your generally ridiculous idea and make an impetus move. Your organized exertion and moving in settling this issue quickly would be tremendously basic. XXXX to you without even batting an eye for your insight 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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My rights are violated under 15 USC 1681i. XXXX  XXXX XXXX XX/XX/year>, Bank XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. I need all these Inquires removed from my Transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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 am writing to express my serious concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts and my consistent requests for a thorough investigation, I have yet to receive any resolution or corrective action. These erroneous accounts are significantly damaging my credit file and severely impacting my ability to live a normal life. 

The negative consequences of these inaccuracies have caused considerable hardship for me, and I am now urgently seeking your assistance in rectifying this situation. I respectfully request that you conduct a comprehensive investigation into each of the disputed accounts and take the necessary steps to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control of my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. 

Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
receiving emails from a credit borough should be only actual needed emails, not a lie email to press someone to buy id protection just to verify the claim the email is making nor should it be ok to imply protection when such may not actually take effect for months after the " trial period ''. This is clear deception and false claiming to deceive the consumer and force the purchase through fear and uncertainty

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 2024-08-19 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: CA

Complaint narrative:
I pulled my reports and seen some fraudulent hard inquires on them and I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled my reports and seen some fraudulent hard inquires on them and I need them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am reaching out for your help regarding the incorrect account reflected on my credit report. The harm to my reputation has been immense, and I need your immediate action. Your failure in handling my credit report has left me in a dire situation, as the incorrect details have tarnished my reputation. This must be resolved so I can focus on my family 's well-being.

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 2024-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW XXXXn, XXXX  XXXX Subject : Request for Assistance Regarding Unauthorized Inquiries on My Credit Report Dear CFPB, I am writing to formally request your assistance regarding unauthorized inquiries that appear on my credit report. Despite my efforts to resolve this matter directly with the credit bureaus, they have refused to remove these inquiries, which I believe are a result of identity theft. 

On [ XX/XX/XXXX ], I submitted an identity theft report to [ experian, XXXX, and XXXX ], detailing the unauthorized inquiries and the fraudulent accounts opened in my name. However, the credit bureaus have failed to take appropriate action to investigate or remove these inquiries, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. This law mandates that consumers are entitled to have fraudulent information removed from their credit reports if they provide a valid identity theft report.

I have attached copies of my identity theft report and relevant correspondence with the credit bureaus for your reference. Given the circumstances, I respectfully request that the CFPB intervene to facilitate the removal of these unauthorized inquiries from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ] Attachments : Identity Theft Report, Correspondence with Credit Bureaus

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 2024-08-19 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: FL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-19 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: FL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at account XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$6200.00} that appears related to the aforementioned personal loan account at XXXX, a collections account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX with a balance of {$6900.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXX, another collections account opened at FAIR COLLECTIONS AND OUT on XX/XX/XXXX under the account number XXXX with a balance of {$3500.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX at XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-19 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: OH

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts and my consistent requests for a thorough investigation, I have yet to receive any resolution or corrective action. These erroneous accounts are significantly damaging my credit file and severely impacting my ability to live a normal life. 

The negative consequences of these inaccuracies have caused considerable hardship for me, and I am now urgently seeking your assistance in rectifying this situation. I respectfully request that you conduct a comprehensive investigation into each of the disputed accounts and take the necessary steps to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control of my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. 

Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

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