vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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:
These accounts were not initiated by me, and I believe they are fraudulent.

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 2024-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts Or permissible purpose. I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 
DELETE THESE ACCOUNTS : Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX Account number : XXXX Please remove account. 
XXXX XXXX : XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove account. 
Original Creditor : XXXX Account Number : XXXX Please Remove account. 
Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 


UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc.
State: TN

Complaint narrative:
Rec 'd mail notice of XXXX Tax notice in the amount of {$1200.00} due by XX/XX/XXXX. 
Called Essex Mortgage XXXX and was told the payment was made via wire on XX/XX/XXXX at XXXX XXXX. I called my county office and provided this information while the mortgage company was on same line and they requested a document/confirmation number and the mortgage company could not provide. The county also said they did not have a payment for this date and time. 

XX/XX/XXXX @ XXXX XXXX CST After on the phone for an hour and half, I could not get any other information other than a supervisor will call me back. I received a phone call from XXXX, XXXX and he stated the wire was setup from a 3rd party vendor, XXXX XXXX and he could not provide any other information as there were other home owners information with that payment. 

XX/XX/XXXX I called my county office this morning at XXXX CST and they confirmed the Property taxes are still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2024, I checked my credit report and saw on XXXX that on that day XX/XX/2024, TD Bank/Target Card was reporting a balance on my credit report even though that exact balance was paid in full. They are purposely reporting false information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. these are the accounts : 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 non-monetary relief
Consumer complaint received 2024-02-26 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 an account without written instructions

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 2024-02-26 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 an account without written instructions

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 2024-02-26 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: NY

Complaint narrative:
I have found inaccurate information on my credit report. I disputed the items and it was not fixed.

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 2024-02-26 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.
State: GA

Complaint narrative:
I submitted a CFPB Complaint with the assigned number of XXXX for. Equifax has responded to me directly via mail with a copy of my credit report noting that the account was deleted from my credit file. I have attached the correspondence from Equifax confirming they have removed the account as well as a copy of my report prior to the dispute as evidence to support the FCRA violation for which I require payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Dear Sir or Madam, I am writing to file a complaint against XXXX, XXXX, and XXXX for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I am writing to you today because I believe that XXXX, XXXX, and XXXX have engaged in unfair and deceptive reporting practices against me. Specifically, they have continued to publish the full amount of debt owed to Credit Acceptance despite a court ruling in XXXX XXXX XXXX on [ XX/XX/2024 ] that reduced the amount owed from {$3200.00} to {$1700.00}. 

Evidence : A copy of the court ruling reducing the amount owed. 
I believe that XXXX, XXXX, and XXXX 's actions violate the FDCPA because : 12 CFR 1006.34 ( d ) : This regulation requires debt collectors to provide written validation notices to consumers within five days of the initial communication. The validation notice must include the amount of the debt, the name of the creditor, and other important information. In my case, I did not receive a revised validation notice reflecting the reduced amount owed after the court ruling.

15 USC 1681-S2 ( 7 ) ( A ) : This section of the FDCPA prohibits consumer reporting agencies from using unfair or deceptive practices to collect debts. I believe that continuing to publish the full amount owed after a court ruling reducing the debt is unfair and deceptive.

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 2024-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
I have been in communication with CMG financial services for 6 months. 
I have been trying to apply for a modification however they were not sending me the package. 

I Spoke to a representative who assisted me with applying for the loan modification. 
? on XX/XX/XXXX I received a denial letter for the loan modification. I thought the bank was negotiating with me in good faith. 

I was advised during the loss mitigation process I was advised they would halt the foreclosure auction. However there is an auction date for the XXXX. 

The appeal date is XX/XX/XXXX XXXX which is after the auction. This is a clear violation of my dual tracking rights. 

I am requesting you stop the auction While I am filing the appeal loan modification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc.
State: NC

Complaint narrative:
On XX/XX/2024, the XXXX XXXX XXXX, a third party, informed me that they had purchased hazard insurance coverage on my behalf worth {$500.00}. They claim that this was due to my property insurance not meeting my mortgage servicer 's standards. 

My mortgage servicer is Click 'n Close Inc. ( NMLS XXXX ). 

The XXXX XXXX XXXX is contracted by Click 'n Close Inc. The XXXX XXXX XXXX sends me harassing letters 4 - 5 times per year. Each letter claims that I need to show proof of homeowners insurance that meets my servicer requirements OR that they have purchased insurance on my behalf because my homeowners insurance does not meet my servicer requirements. 

Each time I receive a letter, I reach out to XXXX XXXXXXXX XXXX XXXX and my servicer. I have been assured by both my servicer and The XXXX XXXX XXXX that they have correct and adequate homeowners insurance on file for my property. 

Since receiving this last letter, on XX/XX/2024, I've tried repeatedly to contact my mortgage servicer or The XXXX XXXX XXXX. I've been left on hold and unable to get through to either party to resolve this issue. 

Without my consent, my mortgage servicer, Click n ' Close, is charging me for hazard insurance on my property. My current property insurance meets their clearly laid out expectations. I don't need their insurance and have not consented to them charging me for more insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by AMERICAN HONDA FINANCE. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXXXXXX XXXX XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures. I have also attached the FTC report to support this compliant with the FTC report number XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: CORELOGIC INC
State: SC

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

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 2024-02-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly 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 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have no knowledge of this account I was a victim of identity theft due to a security breech with a credit bureau this account does not belong to me no contact with my signature was produced and Im demanding it be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX States have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without written instructions

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 2024-02-26 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX. States have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without written instructions

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CA

Complaint narrative:
I have reviewed my credit report and there were inaccurate and incomplete information for several accounts. I have contacted and sent out dispute letters to Experian on XX/XX/2023. It's been well over 30 days since. I have not received a response from Experian whatsoever. I will attach the dispute letters I have sent to Experian.

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 2024-02-26 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: IN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OH

Complaint narrative:
I never received written notification or correspondence of any kind from Jefferson Capital regarding their efforts to collect a very old debt previously owed to XXXX. I received a credit monitoring alert last week, on or around XX/XX/XXXX that a collection account had been added to my credit report in the amount of {$880.00} from Jefferson Capital Systems from a XXXX account that was closed over 7 years ago. I immediately called them to see why they were illegally reporting negative information to the credit bureaus from an old debt that is well beyond the legal statute of limitations for collection and reporting. I believe that their phones are answered at a call center in a foreign country because the representative I was connected with barely spoke XXXX. I explained MULTIPLE times that I wanted validation and verification of their legal right to collect/report this debt, and explained that it is in violation of the FCRPA and the FDCPA to attempt to collect an aged out debt, as well as to negatively report to credit bureaus outside of the legally permitted timeframe. He refused to provide any information that I requested to validate the debt, and continued to try to pressure me into making some type of payment, and reiterated that failing to make payment would result in the continued negative reporting to all 3 credit bureaus. I said that wont be happening under any circumstances, and advised that I would explore whatever legal options may be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: MS

Complaint narrative:
i sent a dispute on XXXX to all XXXX cras concerning the re-investigation process, also informing them about XXXX usc XXXX ( b ) about information has to be maximum accuracy. 
neither of the XXXX hasn't responded as of XXXX concerning the items and i have also attached a copy below for your reference with XXXX certified receipts. 
requesting the items be verified sending me the method of validation or deleted the items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i sent a dispute on XXXX to all 3 cras concerning the re-investigation process, also informing them about XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  about information has to be maximum accuracy. 
neither of the 3 hasn't responded as of XXXX concerning the items and i have also attached a copy below for your reference with XXXX certified receipts. 
requesting the items be verified sending me the method of validation or deleted the items from 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 explanation