vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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
Consumer complaint received 2024-10-09 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: SC

Complaint narrative:
I am submitting this statement to report fraudulent accounts and unauthorized credit inquiries on my credit report, which were the result of my personal information being compromised in a data breach. I did not open or authorize the following accounts and inquiries, and I am requesting their immediate removal from my credit report. 


Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX This account was not opened by me and is a result of identity theft. 
XXXX XXXX XXXX Opened on XX/XX/XXXX This account was fraudulently opened without my knowledge or consent. 
XXXX XXXX Opened on XX/XX/XXXX I did not authorize or open this account. It is a fraudulent account created as a result of identity theft. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not authorize any credit inquiry from this institution, nor did I apply for any financial product or service. 
XXXX XXXX XXXX Inquiry on XX/XX/XXXX I have no connection with XXXX XXXX XXXX and did not authorize this inquiry. 
XXXX Inquiries on XX/XX/XXXX and XX/XX/XXXX These inquiries were made without my consent. I did not initiate any transactions or applications with XXXX. 
XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any credit services from XXXX XXXX XXXX. This is an unauthorized inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
I am an XXXX XXXXXXXX stationed at XXXX XXXX and I received a 1099C Cancellation of debt for my XXXX XXXX XXXX for the date of XX/XX/XXXX. The amount of debt discharged on the 1099C was {$14000.00}. It is still reporting on my credit reports with a balance of {$25000.00} and this balance continues to increase. We contacted SE Toyota Finance at XXXX on XX/XX/XXXX and spoke with XXXX. She stated he still owes this debt, they will no longer call to collect on the debt.However, it is still owed and they will not change the balance owed on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not recognize the debt associated with XXXX XXXX XXXX that appears on my EQUIFAX consumer report. I demand verification of the alleged debt from XXXX XXXX XXXX. An agreement between my person XXXX XXXX XXXX XXXX and XXXX XXXX XXXX bearing my wet ink signature. Upon verification of the alleged debt I will proceed with the administrative process in order to cancel/discharge the alleged debt of the alleged debt is verifiable. If the debt can not be verified with an agreement between XXXX XXXX XXXX XXXX bearing my wet ink signature I demand that EQUIFAX delete the account for identity theft purposes because XXXX XXXX XXXX accessed my consumer report without my authorization and attempted to force me to pay them an alleged debt under the threat of duress and coercion by reporting negative remarks to my consumer report. As well as TAX FRAUD because they report to account as charged off on my EQUIFAX consumer report, and if the debt is a false then they charged off a fake debt and this must be reported to the IRS technical support division.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-10-09 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
In XX/XX/year> I was asked to provide hazard insurance verification for XX/XX/year> to XX/XX/year>. I requested my hazard insurance company to provide the documentation for this period. They determined no insurance was inforce during this period. Huntington Mortgage placed " lender provide coverage '' effective XX/XX/year> to XX/XX/year>. An escrow account was established to collect the premium of {$58.00} for this period. A letter stating the cancellation date of XX/XX/year> was sent to me by Huntington Mortgage.. 
My mortgage statement due XX/XX/year> increased {$70.00} and not {$58.00}. Huntington Mortgage had created an escrow account to collect and entire 12 month period of lender placed insurance rather than the insurance cost for the 15 day period of originally required. I have spoken with fourteen Huntington Mortgage personnel in the customer service, the insurance unit, and the escrow department over the last five months requesting the correction of Huntington Mortgage 's oversight without successfully concluding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Despite several previous contacts, Wells Fargo continues to allow XXXX to charge my account almost every month. They insist on being contacted by phone or in writing for disputes. I don't have time for their games. Every time I have sent them a written complaint, I never receive a response. I think they do this to negate their responsibility in the hope that people will just give up. This needs to stop. They should be required to be accountable for their failure to reasonably protect their customers.

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 monetary relief
Consumer complaint received 2024-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-10-09 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: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding the inaccurate reporting of accounts on my credit report. Despite my previous efforts to dispute these accounts, XXXX continues to reflect them as valid, which is both inaccurate and damaging to my credit profile. 

On XXXXXXXX, I submitted a dispute concerning several accounts that were incorrectly attributed to me ( see attached letter ). In support of my dispute, I furnished a UCC 11 form from the Illinois Secretary of State, which clearly demonstrates that there is no debt in my name associated with these accounts. This documentation provides concrete evidence that these accounts are incorrectly reported. There are no transactions recorded with the Illinois Secretary of State.

Despite this evidence, I have observed that XXXX continues to report these disputed accounts as valid. This persistent inaccuracy not only violates the Fair Credit Reporting Act ( FCRA ), but also negatively impacts my creditworthiness and financial standing.

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 2024-10-09 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: GA

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
Subject : Request for Documentation Related to Financial Asset Held in XXXX XXXX XXXXXXXX XXXX XXXXXXXX I formally requested documentation and information regarding my financial asset, which I am writing to request detailed information about the handling and securitization of my mortgage loan, originated on XX/XX/year>. I am writing to request detailed information about the handling and securitization of my mortgage loan, originated on XX/XX/year>. Based on recent findings, I have reason to believe that my loan, originated by Atlantic Bay Mortgage Group LLC, was sold and securitized into the XXXX XXXX XXXXXXXX XXXX XXXXXXXX, in contradiction to prior representations made by your institution. 
Key Points of Inquiry : 1. my loan was sold and transferred into the XXXX XXXX XXXX XXXX XXXX with a closing date of XX/XX/year>. This contradicts previous assertions that the loan had not been sold or securitized. 
2. Assignment of Deed of Trust : reveals that no assignment of the Deed of Trust has been recorded in the official records of XXXX XXXX, XXXX 
Please provide information on why no assignment has been made or recorded to date, and what implications this has for the status of the loan. 
3. Proceeds from Securitization : Please provide documentation showing how the proceeds from the sale and securitization of my loan were applied. This includes but is not limited to, any credits or payments received by Atlantic Bay Mortgage Group LLC or its affiliates from the sale of my mortgage note, in contradiction to prior representations made by your institution. 

The involvement of the following entities raises concerns about the securitization and management of my mortgage loan : 1. Documentation of Ownership : Clear evidence establishing the ownership of my mortgage loan within the XXXX XXXX XXXX XXXX XXXX. 
2. Transaction History : A complete history of any assignments, transfers, or transactions related to my loan since its origination. 
3. Securitization Details : Copies of all relevant documents detailing the securitization process, including any agreements related to the management and administration of my loan. 
4. Disclosure of Rights : Information on any rights I have regarding my loan and the securitization process, as well as any permissions or consents that may have been obtained. 
4. Request for Documentation : Pursuant to RESPA and Regulation X or Z, I am formally requesting the following documentation : Full transaction history and all transfers of the promissory note. 
Documentation related to the sale, assignment, and securitization of the loan. 
A copy of any Pooling and Servicing Agreement ( PSA ) or similar agreement that governs the securitization of my loan into the XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
A copy of any endorsement or transfer documents relating to the note or Deed of Trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I submitted a school misconduct form XX/XX/year> in order to discharge my private student loans. The misconduct form was denied XX/XX/year> and I am attempting to request information on why I was denied, the reason in the denial letter were vague and didn't tell me why I was denied. My school is part of the borrowers defense, I am a post class member, but my school is listed in the schools that conducted misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2024-10-09 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation