vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the XXXX listed on my credit report. I have a letter from the court confirming that this XXXX should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-09-27 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: TX

Complaint narrative:
I recently took a close look at my credit report and was shocked to find multiple items that are incorrect, unverifiable, and seem highly questionable. These errors have caused me a lot of stress, and its clear that your agency hasnt done enough to ensure that the information being reported is completely accurate, which is required by law.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: NC

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 computer science, 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 XXXX out of XXXX 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 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 2024-09-27 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: LEXISNEXIS
State: FL

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 XXXX out of XXXX 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 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 2024-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I discovered a collection report from National Credit System regarding a debt from The Encore Apartments for {$7400.00}. This collection account was opened on XX/XX/year>, and updated as recently as XX/XX/year>, without my prior knowledge or any notification from either National Credit System or The Encore Apartments. I was not informed of the debt or given the opportunity to dispute the charges, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, my fiance, who was also associated with the account, received the same collection report. Neither of us was contacted or notified about the debt by email, phone, or letter, further violating FDCPA guidelines, which require them to inform all responsible parties and give us the opportunity to dispute or validate the claim before reporting it to credit bureaus. As a result, the collection was reported directly to the credit bureaus, negatively impacting both of our credit scores. 

Furthermore, I had been requesting the return of my security deposit and the XXXX months rent I had paid upfront. At the time of my departure, 20 days of that rent were still remaining unused. Despite my attempts to resolve this matter with The Encore Apartments, no action was taken to address my request or refund the amount owed to me. 

To resolve this, I have previously tried contacting The Encore Apartments and their management, but no resolution was provided. I have documented proof of my communication attempts, including emails and a timeline of events, such as when my access to the apartment was XXXX, which ultimately led to my departure from the property. 

I request that this collection be removed from both my credit report and my fiances, due to the lack of notification and violation of FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Recently I looked at a copy of my Credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Exeter Finance LLC report wrong information to credits buries : XXXX, XXXX and XXXX, there are some discrepancies between those reports, and I need accuracy in my reports. If it is impossible for you to clarify this account please remove it from my consumer report, thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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:
I contacted Experian on XX/XX/year> to dispute some inquiries on my credit report. I asked the agent could she start a dispute for me and she told me that she could not dispute or remove the inquiries. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like for these to be removed 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 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I have sent a validation letter to Midland Credit management, and they have failed to provide me with all the requested information. I also noticed that as a collection they are reporting as the original creditor, as well as reporting as an open account. Which should not be done when an account is in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NJ

Complaint narrative:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.

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 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
On XXXX XXXX, I sent a written request via US Mail to **Security Credit Services LLC** asking them to validate the debt they were attempting to collect from me. I requested detailed information about the debt, including : - The original contract, - An itemized breakdown of the amount owed, - Proof of their legal ownership of the debt, and - Verification of any payments that had been applied. 
I followed up with a second written request on XXXX XXXX, asking for proper validation through the court and sending a separate letter via mail, requesting that they cease collection efforts until this validation was provided. 

In response, on XXXX XXXX I received a **stall letter** from Security Credit Services LLC that failed to provide proper validation. Instead of giving me the requested documentation, they continued collection attempts, which is a violation of **15 U.S.C. 1692g** under the **Fair Debt Collection Practices Act ( FDCPA ) **. 

To date, they have not validated the debt, yet they continue to attempt collection and have applied excessive fees that I believe are unwarranted. 

Furthermore, I was not properly notified of the sale of this debt. XXXX did not send me any notification, nor did **Security Credit Services LLC** . The sale of the debt occurred on XXXX XXXX, XXXX, and I only discovered this information through their court proceedings. This failure to notify me and their continued actions without proper validation violate both **federal** and **Texas consumer protection laws**. 

Given these actions, I believe **Security Credit Services LLC** has engaged in **unfair predatory practices** and has failed to comply with their legal obligations under the **FDCPA**.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NJ

Complaint narrative:
I am a XXXX XXXX Survivor and I really need your assistance with helping me get back on track. I am working with my advisor to get rid of all the fraudulent accounts that occured due to XXXX XXXX. Please investigate and remove these accounts from my credit profile within 4 business days according to Section 605c of The Fair Credit Reporting Act as a result of XXXX XXXX  Debt Bondage relief program. 

Thank you so much for offering assistance to survivors like me. No one understands how hard it is to get back to a regular life after going through so much but I am very grateful for the 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 2024-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Since XX/XX/year>, my mortgage broker has repeatedly requested a loan payoff amount to my current mortgagor, Pennymac, to process the refinancing of my mortgage with another lender. They provided a payoff statement on XX/XX/year> that was only good for XXXX day, and unbeknownst to me was expired by the time I transmitted it to my broker. The new escrow company has been trying since then to obtain an updated payoff statement only to be told they haven't received any requests. However, on XX/XX/year> I received an email from Pennymac with the subject line, " We received your request. Call now to discuss a limited-time offer we have for you. '' It contains a number to call which takes you to a general customer service menu. Requesting a payoff statement to the automated system directs you to request a statement through their website, which charges {$25.00}, an amount I didn't pay for previous payoff statements. Today ( XX/XX/year> ), my broker just informed me that the new escrow company representative was able to speak with a manager at XXXX who told her they would add my payoff statement request " to the line ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: IN

Complaint narrative:
It took me by surprise how these inquiries on my report are still reporting when I have previously asked XXXX to delete them. They said they were going to but I've been reviewing my credit report and it still hasn't gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccuracies in Credit Reporting by Experian Dear Sir or Madam, I am reaching out to file a formal complaint concerning ongoing inaccuracies in my credit report managed by Experian. Despite previous attempts to correct these errors through direct disputes, the inaccuracies persist, detrimentally affecting my credit score and overall financial standing. 

Details of the Dispute : XXXX Credit Card Account # XXXX : Status : Noted as " Discharged through Bankruptcy XXXX  XXXX '' in XX/XX/XXXX. 
Issue : The report incorrectly shows a charge-off in XX/XX/XXXX. Post-bankruptcy, the account should only reflect the discharge status without any derogatory marks. 
Dispute History : A dispute filed in XX/XX/XXXX was processed, but no changes were made. 
XXXX Credit Card Account # XXXX : Status : Recorded as " Discharged through Bankruptcy XXXX  XXXX '' in XX/XX/XXXX. 
Issue : This account similarly shows an erroneous charge-off in XX/XX/XXXX. 
Dispute History : Despite disputing in XX/XX/XXXX, the inaccuracies remain uncorrected. 
XXXX XXXX  Account # XXXX : Status : Updated as " XXXX through Bankruptcy XXXX  XXXX '' in XX/XX/XXXX. 
Issue : While the status update appears correct, I request verification that no post-discharge negative marks have been reported. 
Dispute History : This account was disputed and reportedly updated in XX/XX/XXXX ; further clarification on these updates and their adherence to discharge terms is necessary. 
Requested Actions : Review and Correction : I urge a comprehensive review and correction of these discrepancies. The records should unequivocally reflect " Discharged through Bankruptcy XXXX XXXX '' without subsequent derogatory marks. 
Documentation and Confirmation : I request that Experian provide updated documentation reflecting these corrections, along with a detailed report on the remedial actions undertaken. 
Compliance Check : I implore the CFPB to ensure Experian 's adherence to the Fair Credit Reporting Act ( FCRA ) and other pertinent consumer protection laws in accurately updating and maintaining credit report information. 
Enclosed are copies of supporting documents, including bankruptcy discharge paperwork, previous dispute correspondences, and credit report excerpts highlighting the discrepancies. 

Thank you for addressing this critical issue. I look forward to your swift response and assistance in resolving these inaccuracies. 

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 2024-09-27 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: PA

Complaint narrative:
This morning, I was shocked to discover inaccurate accounts suddenly showing up on my credit report, and I have no clue why. I routinely check my credit report without any issues, but this time there were random discrepancies. I thought it might be a browser glitch, so I refreshed it, but the wrong accounts remained. Im deeply concerned and request that my documents be reviewed carefully to ensure this doesnt happen again.

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 2024-09-27 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: NH

Complaint narrative:
In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These two accounts below has smaller amts that were reported without my consent to report as being late. The sub accounts are as follows with totals and times late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States that I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section sates : no consumer reporting agency may make any 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency

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 2024-09-27 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: NH

Complaint narrative:
In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These two accounts below has smaller amts that were reported without my consent to report as being late. The sub accounts are as follows with totals and times late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States that I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section sates : no consumer reporting agency may make any 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency

Company response to consumer: Closed with explanation