vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Duty pursuant to the FCRA , it is XXXX to be reporting correct and accurate information on my credit report and

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
I have reviewed the copy of my credit report and found fraudulent accounts and this is hurting my ability to obtain credit which is against the fair credit law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

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 2024-04-30 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: NE

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-04-29 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: TN

Complaint narrative:
I am disputing the charge-off reported on my account XXXX XXXX XXXX XXXX because it violates the FCRA regulations. Specifically : - XXXX XXXX. XXXX ( a ) ( XXXX ) prohibits credit reports from containing " records of income, or information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' - XXXX XXXX. XXXX ( a ) ( XXXX ) prohibits credit reporting agencies from including " information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' if the information is " not directly related to the consumer 's creditworthiness ''. - XXXX U.S.C. XXXX ( f ) defines " creditworthiness '' as " the ability and willingness of a consumer to pay obligations in accordance with their terms '' which does not include income information like charge-offs.-C.F.R. XXXX ( a ) prohibits credit reporting agencies from including " information that is not directly related to the consumer 's creditworthiness, including... income information ''. - XXXX XXXX ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. - XXXX U.S.C. XXXX ( a ) ( XXXX yA ) states that credit reporting agencies must " delete the item of information, or modify the item to make it accurate '' if it's found to be incomplete or inaccurate.-C.F.R. XXXX ( a ) ( XXXX ) requires credit reporting agencies to " verify the completeness and accuracy of information '' in consumer credit reports. - C.F.R. XXXX ( a ) states that credit reporting agencies must " have in place reasonable procedures for responding to disputes from consumers ''. The charge-off reported on my account is inaccurate and violates these FCRA regulations XXXX I request that you : - Delete the charge-off from my credit report immediately - Confirm in writing that the charge-off has been deleted- Provide a corrected credit report that reflects the deletion Please investigate this matter and take the necessary steps to correct my credit report. If I do not receive a response within 30 days, I will be forced to take further action to protect my rights under the FCRA. This has cause me financial, and emotional Loss! I have been up all night every day stressing about this! Sincerely, 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 2024-04-30 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: TRANSWORLD SYSTEMS INC
State: SD

Complaint narrative:
Revocation of Consent for Sharing Personal Information To Whom It XXXX Concern, I hope this letter finds you well. My name is XXXX XXXX and I am writing to you in regards to the sharing of my personal information by your respective agencies on my credit reports, as well as by TRANSWORLD SYSTEMS INC. 
Firstly, I want to express my sincere appreciation for the responsibilities you uphold as consumer reporting agencies, as outlined in the Fair Credit Reporting Act. The Act rightly emphasizes the importance of fairness, impartiality, and respect for consumers ' privacy, principles that I deeply value. 
However, I am writing to assert my rights under the law to ensure that my private information is not shared without my explicit consent. As stated in the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act, it is my fundamental right to maintain the privacy and confidentiality of my personal information. 
While I understand the necessity of accurate reporting for financial institutions, I must emphasize that I have not provided, nor have I consented to the sharing of my information with XXXX, XXXX, XXXX, or Transworld Systems Inc. Any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 
Furthermore, I want to highlight that I was never informed of my right to exercise my nondisclosure option by Transworld Systems Inc as required by law. This lack of transparency is concerning and undermines the trust I place in your institution. 
Moreover, I have noticed discrepancies in the information being reported, which raises concerns about the accuracy and integrity of your reporting procedures. It is imperative that consumer reporting agencies, like yours, follow reasonable procedures to ensure the accuracy of the information provided. 
Considering the above, I am formally requesting that you cease the sharing of my personal information with any third parties, as I have not provided consent for such actions. Additionally, I urge you to review and delete any inaccuracies in the information currently being reported. Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: MI

Complaint narrative:
These accounts listed here are all opened fraudulently without my permission : There is identity theft occurring on my credit report. 

Account Name XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: MI

Complaint narrative:
These accounts listed here are all opened fraudulently without my permission : There is identity theft occurring on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft

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 2024-04-29 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: PA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: GA

Complaint narrative:
I.Q Data international inc has illegally bought my data from XXXX XXXX  without my consent 15 USC 1681b and 18 USC 1028a which is Identity Theft my name is copyright and have a UCC lien on my name. i sent them XXXX letters and told them over the phone to stop contacting and reporting my personal date to all credit agency. they didnt not listen which violate the fair debt collection act. So I filed a XXXX  report and contact XXXX They wrote me again talking bout my disputes has no facts like as if my name is not copyrighting or the FCRA laws dont mater and disreguard the fair debt collection act. They dont even have a license in the state of XXXX to even try to collect a debt. I never made a contract with them and I will not make one ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
My social security and information was part of identity breach with all three credit reporting agency a few years ago. I have been disputing, names, addresses and negative credit that does not belong to me with the creditors and more so with the credit agencies. The credit agency have not verified anything nor sent any proof of verification. I have bot been able to get many items removed and at least XXXX items are already XXXX years old and false. I want to know if i can still file my claim

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 2024-04-29 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:
My social security and information was part of identity breach with all three credit reporting agency a few years ago. I have been disputing, names, addresses and negative credit that does not belong to me with the creditors and more so with the credit agencies. The credit agency have not verified anything nor sent any proof of verification. I have bot been able to get many items removed and at least XXXX items are already XXXX years old and false. I want to know if i can still file my claim

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 2024-04-30 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
My monthly payments changed. When comparing the prior payment and current payment there was a difference of between {$2600.00} and {$2.00}. Since I have a fixed interest rate the difference should be escrowed items. So I made a one time escrow payment that went through today ( XX/XX/2024 ) for {$2700.00}. I called Security Service Federal Credi Union Mortgage to get them to readjust my payment so the existing payment should still be enough and the extra principal of {$180.00} would still happen. I was told tonight by two different reps ( the second being XXXX from issue resolution team ). Both said the shortfall in escrow was only {$400.00} and some dollars and even though I made a specific {$2700.00} payment to escrow today they could not adjust the new payment and I would still be billed the escrow shortfall because they have a contract that requires them to pull from the payment and now the {$2200.00} I was paying and {$180.00} per month extra principal would not only not have any extra principal applied but each month my payment will be short {$31.00} unless I increase my monthly payment. The math does not add up and I want a deep dive into payment applications from inception and I wonder how they can not have RESPA violations given this scenario. I am perplexed and not happy that they seem to not know how to apply extra escrow and extra principal payments such that they have an extra {$2700.00} and now my monthly payments have increased {$31.00} and they say the escrow shortage is less than {$500.00}. And now my payments wont give extra principal payments. Would appreciate you investigating this. My mortgage loan account number at SSFCU is XXXX. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: WA

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Report shows this account was opened XX/XX/XXXX. The account status is " Account charged off. {$85.00} written off. {$85.00} past due as of XX/XX/XXXX. '' The responsibility is as individual, and the past due amount is {$85.00}. The original balance was for {$85.00}. This account states that the original creditor name is : XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with this 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 2024-04-30 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: TX

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
I am writing to express my extreme dissatisfaction with the lack of cooperation and understanding I have encountered from your company regarding my current financial situation. As a loyal customer, I have always made timely payments on my auto loan ; however, due to unforeseen circumstances, I am experiencing temporary financial difficulties. I feel the settlement agreement of {$9600.00} was feasible. The car isnt worth more than that. 

Despite my attempts to reach out and discuss the possibility of settling my payments and working out a feasible plan to avoid falling into collections, I have been met with outright refusal and threats of repossession. It is disheartening that your company is unwilling to consider my situation and provide any form of assistance or flexibility. 

I understand the importance of meeting financial obligations and assure you that I am committed to resolving this matter. However, I need your cooperation and understanding to do so. I kindly request that you reconsider your stance and work with me to find a solution that is mutually beneficial. 

I believe that by working together, we can find a resolution that prevents the escalation of this situation and maintains the integrity of our business relationship. I am open to discussing alternative payment arrangements or any other options that may be available. 

I urge you to give my situation the attention and consideration it deserves before taking any further actions, such as repossession, which would only exacerbate the problem. I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this urgent matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

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 2024-04-29 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: GA

Complaint narrative:
Ive reached out multiple times to get the information updated and deleted because it was not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: WA

Complaint narrative:
Account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX Report shows this account was opened XX/XX/XXXX. The account status is collection account with {$840.00} past due as of XX/XX/XXXX. The responsibility is as individual, and the past due amount is {$840.00}. The original balance was for {$750.00}. This account states that the original creditor name is : XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. I have no knowledge of XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.

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