vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Account was closed in XXXX of XXXX. No valid reason was given from lender on why the account closed. But after account was closed they starting reporting late payments to the account when during the entire contract I was never late. Account is closed but company still and currently has it active. When pulled up online or on app, its still giving statements as if its active. Called to ask Citi bank whats going on here and talked to at least 5 representatives. I asked for statements to be faxed and company came up with excuses of why they couldnt. Also no one had any answers as to why the account is still reporting and giving statement dates, if its been closed since last year of XXXX. Company said they apologize for the error and inconvenience, that theyre is nothing else to do on my end and they will contact me. That was on 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 2024-04-14 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Leased a XXXX XXXX XXXX XXXX through GM Financial XX/XX/XXXX. The term of the lease was 36 months. At the lease termination the car was returned to a GM dealer as we were instructed. The return was made at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX. This date was well within the grace period for return. GM Financial has sent an end of lease bill which includes a past due amount, late fees and taxes for allegedly not returning the vehicle. We have made numerous requests via US mail, telephone and email to correct this matter to no avail. We have also sent several requests for verification of this debt.GM has reported this matter to the credit bureaus which has negatively affected our credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
Upon noticing a collection account on my credit report, I sent a request for validation on XX/XX/24 to the collection agency listed in my report. I stated that the request was required to be replied to within 30 days of receipt and no response has been provided by the company as of yet. I confirmed that the company received the request on XX/XX/24. I have copies of the time stamp provided by the courier service from the company representative that accepted the validation request. In the validation letter it states that if the company does not respond within the 30 days of receipt of the validation with the required validation information, then all references to the account must be deleted and completely removed from my credit report and a copy of the deletion request/completion be provided to me also. However, as stated above no response from the company has been received even after confirming the company has been in receipt of the validation request now beyond the XXXX allotment. Additionally, there has not been any correspondence from any of the credit reporting agencies about any updates from the company or modifying the collection inquiry. I have reason to believe that the company has placed the account is question on my credit report from fraudulent accounts from an identity theft investigation. I require the validation information to then seek verification about the account under investigation to ensure that this debt belongs to me because proof has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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:
Was in the process of applying for an house and notice there are damages on my credit report that's affecting me. According to 15 U.S.C 1681 there should not be any damages on my credit report. This is defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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:
Was in the process of applying for an house and notice there are damages on my credit report that's affecting me. According to 15 U.S.C 1681 there should not be any damages on my credit report. This is defamation to my character.

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 2024-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
MR COOPER IS ILLEGALLY REFUSING TO RE-ANALYZE MY ESCROW. THEY ILLEGALLY AND NEGLAGENTLY FAILED TO PAY THE HOME OWNER 'S INSURANCE LEAVING ME AND MY FAMILY UNPROTECTED FOR TWO WEEKS. MR COOPER OWES ME A REFUND AND TO AVOID ISSUING THE REFUND THEY ARE REFUSING TO RE-ANALYZE THE ESCROW. I '' VE MADE SEVERAL PHONE CALLS, OPENED FOUR SUPPORT TICKETS, SENT A DOZEN EMAILS AND I AM STILL WAITING FOR THEM TO DO WHAT THEY NEED TO DO. I CONSIDER THIS A REFUSAL TO MAKE THINGS RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: MI

Complaint narrative:
The failure of the XXXXXXXX XXXX collection comany  as a credit furnisher has violated my consumer rights by reporting inaccurate an fradulent account information to the credit bureaus and despite my numerous attempts to resolve this error. 

The collection company refuses to conduct a thorough and complete investigation, to respond to my disputes. This is not only frustrating but also a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 
XXXX  XXXX Collection agency continues to inaccuratly report an account by their client XXXX XXXX located in XXXX Michigan. 
These erroneous and fraudelent entries have had a severe and detrimental impact on my ability to secure housing, as they negatively affect my credit score and are visible to prospective landlords.

I urge you to conduct a thorough investigation into this matter as required by law. The FCRA mandates that all disputed information that may be inaccurate, incomplete, or unverifiable must be corrected or removed typically within 30 days. It is your responsibility to verify the accuracy of the information you furnish and ensure that my credit report reflects only accurate and verified information.

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 2024-04-14 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: MI

Complaint narrative:
The failure of the XXXXXXXX XXXXXXXX XXXX comany as a credit furnisher has violated my consumer rights by reporting inaccurate an fradulent account information to the credit bureaus and despite my numerous attempts to resolve this error. 

The collection company refuses to conduct a thorough and complete investigation, to respond to my disputes. This is not only frustrating but also a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 
XXXX XXXXXXXX XXXX agency continues to inaccuratly report an account by their client XXXX XXXX located in XXXX Michigan. 
These erroneous and fraudelent entries have had a severe and detrimental impact on my ability to secure housing, as they negatively affect my credit score and are visible to prospective landlords. 
I urge you to conduct a thorough investigation into this matter as required by law. The FCRA mandates that all disputed information that may be inaccurate, incomplete, or unverifiable must be corrected or removed typically within 30 days. It is your responsibility to verify the accuracy of the information you furnish and ensure that my credit report reflects only accurate and verified information.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
When attempting to get a personal loan, I was told my credit was froze, then I proceeded to get a credit report and Equifax show my credit as XXXX, although XXXX and XXXX have my entire credit history, I then called equifax to try to solve the problem, they told me to send in some information, which I did to the address they provided me. I called a week later for an update and was told to wait a few days because they were working on getting my information into their system. A few days pass and I call back, Im told they havent received anything from me and still have no information, I have been going in circles with Equifax for a month now and I have spoke to no one who has helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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:
my credit was in a data breach

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 2024-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Apparently, this company provided services to me in XXXX of XXXX, and I've never used this company to my knowledge. I've never received notices of a balance owed, and it states I owe {$81.00}. The letter I received is dated XX/XX/XXXX as it was just reported to the collection agency Aargon Agency. 
I looked on XXXXXXXX XXXX to figure out if the XXXX XXXX XXXX even exists, and XXXX XXXX state the company sent out fraudulent collection letters to them. 
I read that a company has XXXX  years to report the collection to a collection agency, and this is over 4 years by XXXX  months. 
I had medical insurance during this time period, and never received a letter from my insurance stating they could not cover costs. 
I suspect this is fraudulent, and left a voicemail to the collections agency stating the " statue of limitations '', for debt to be reported on my credit.

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 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Ive done tried disputed with this company before and their illegal business tactics three times theyve changed the type of loan closed it then opened it back up had the wrong dates and could not verify my identity with my wet signature. Now I have another third party company saying this is there debt now. Ive called them and they were very rude over talked me. Tried to inform they havent sent me the information Ive requested. Information and Dates are not up to date with all credit bureaus.Theres a company named XXXX XXXX which is contacting me about a debt now after Ive asked XXXX multiple times to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
Company is selling and reporting inaccurate information ( which has now been updated in everyones ( credit bureaus system ). Company still has not provided original contract for loan and hasnt sent any notices of changes or process of repossession. Im not aware of anything concerning vehicle.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate bankruptcy entry that has appeared on my credit report. As a diligent consumer, it is imperative for me to ensure the accuracy of my credit history. To facilitate a thorough investigation into this matter, I kindly request access to the LexisNexis report associated with my credit file. Having access to this comprehensive report will enable me to provide additional evidence and context necessary for resolving this dispute effectively. I understand the importance of accuracy and reliability in credit reporting, and I am committed to working collaboratively with you to rectify this discrepancy promptly. Please send within XXXX business days to my email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
The failure of the 3 credit bureaus and XXXX XXXX XXXX as well as the credit furnisher to conduct a thorough and complete investigation, and of the furnisher and rental company to respond to my dispute inquiries, is not only frustrating but is a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 

This unresolved matter has adversely affected my ability to secure housing and is damaging my credit standing undeservedly. Given the gravity of this issue and its impact on my life, I am compelled to escalate this matter to higher authorities, including the FTC and Consumer Affairs, and have already filed a complaint with the Fair Housing Authority Authority regarding the illegal reporting of a money judgement without a valid court order

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: AR

Complaint narrative:
I should have no collections or closed account or late payments. Any of the above mentioned are false ill attach and show all three reporting agencies are not matching info. Any collection charge off account was unverified. I also never consented to contract. I also opted out. This has been going on for over 6 months I dispute they refuse to accept. There are multiple of the same accounts listed which also unverified and not mine. Please refer to the privacy act of 1974, public law XXXX XXXX XXXX,15usc6802,15usc1681 permissible purposes, nonmailable address being shown on report please refer to privacy act1984,15usc1666 treatment of credit ,18usc1028 fraud and related activity ( i didn't consent to contract or give authority ) XXXX15usc1681c-2 ( a ) ,12usc1431,42usc408, ucc3-104, public law 73-10,31usc5118 HJR192, THE FAIR CREDIT REPORTING ACT 15usc1681sec ( b ) written consent ,6801,6802 ( c ) ,16cfr313 privacy of financial consumer info,16cfr313.2 purpose and scope ,15usc6802 opting out ,15 usc6508 inaccuracies reporting ( make my utilization 0 ) ,20usc1232g & 34cfr99 student loans, privacy act 1974 right to privacy. Its also not my duty to verify personal info on myself. My credit report should have ONE NAME, NO COLLECTIONS, NO CHARGE OFF ACCOUNTS, NO LATE PAYMENT. ALL HAVE BEEN PROCEN TO BE UNVERIFIED! Negatively effecting my credit score. Please fix immediately. Your acting in dishonor.

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 2024-04-14 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: FL

Complaint narrative:
My information was compromised at XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. XXXX XXXX XXXX XXXX has been my only address for the past 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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:
My information was compromised at XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. XXXX XXXX XXXX XXXX has been my only address for the past 10 years.

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 2024-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: DE

Complaint narrative:
I have called both companies on 4 different occasions in XXXX, and XXXX, the origional company XXXX XXXX , and the collection agency XXXX XXXX about this debt of {$6000.00}. upon providing my Name, address and social security number, i was told that my l provided information and Supporting documents such as drivers license and Social secutiry, and previously filed FTC Reports.does not match the account attached and listed on my credit files, so there is no information which could be provided to me. However, this negative item remains on my credit reports, and i am requesting this be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This company continues to report a debt that DOES NOT belong to me. I do not know this account. Cease all communications and Please remove this from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-04-14 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
SEE PROOF HAVE SENT SO MANY TIMES AND EXPLAINED ALREADY APPROVED FOR XXXX XXXX XXXX AND STILL SALE!?!?!?!?!? PER XXXX  XXXX CAN NOT SELL HOUSE WHILE UNDER REVIEW!!!!!!!!!!! WILL HAVE TO FILE PAPERWORK ON WEDNESDAY! NEED ONBUSMAN DEPARTMENT NOW! HAVE SENT SO MUCH PAPERWORK CORRECTED THEN CORRECTED NEED A NEW LOSS MITIGATION NEGOCIATOR AND SUPERVISOR! NEED ONBUDSMAN DEPARTMENT NOW!!!!!!!!!!!!!!!!!!!!!

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