vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XX/XX/XXXX {$150.00} XXXX XXXX - XXXX XX/XX/XXXX {$1200.00} XXXX - XXXX XX/XX/XXXX {$660.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$8700.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX - XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$16000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$1300.00} Bankruptcy - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: Regional Management Corporation
State: FL

Complaint narrative:
1. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 2.Additionally, I believe the company performed a soft pull on my credit without my authorization, which is a violation of my rights. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) establish clear guidelines and procedures to protect consumers, yet it is evident that these laws were not followed in this situation. Their disregard for these regulations reflects poor practices that must be addressed immediate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX XXXX, XXXX, NJ, 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 2024-12-03 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: CA

Complaint narrative:
Subject : Request for Investigation and Deletion of Inaccurate Information Under the FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my credit report, as provided to me by [ Credit Reporting Agency ]. This dispute is being submitted under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 1681i ), which mandates that credit reporting agencies investigate any disputed information promptly and accurately. 

The item in question is listed as follows : Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/XXXX Under the FCRA, I am entitled to a full and thorough investigation of this matter. If the disputed information can not be verified within 30 days of your receipt of this letter, you are required by law to delete it from my credit report. 

Please conduct your investigation promptly and provide me with a written confirmation of the results. If the account is removed or updated, please send me an updated copy of my credit report. 

If you require any additional information from me to assist with your investigation, please contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your attention to this matter. I look forward to your prompt response within the 30-day timeframe as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
XXXX XXXX XXXX has incorrect mortgage payments, here are the following incorrect negative reports. 
History : XX/XX/24 ; XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The report is under Experian also showing the mortgage was under a bankruptcy which was never under a bankruptcy.

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 2024-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
I am writing complaint to request in hopes to reverse the payment restriction placed on my account, as it has created significant challenges in staying current with my mortgage. Over the past few months, I faced financial hardship, which caused some payments to be returned due to other unexpected transactions withdrawing from my account. Despite these challenges, I ensured that my mortgage was paid within the month and covered all associated return fees. However, the current restriction prevents me from making online payments, the only viable option for my family. This has now put me over 30 days behind, which could severely impact my credit and risk foreclosure. Unfortunately, I do not have access to transportation to make in-person payments, nor do I receive checks from my bank, making online payment access critical. 

I have submitted letters and messages explaining my situation, but I have been told the restriction will remain in place for 12 months. This has placed me in an impossible situation, as I am willing and able to make payments but can not do so through the available channels. I am respectfully asking for grace and assistance during this difficult time. Hardships happen, and Ive made every effort to address returned payments responsibly. I believe it is unfair to restrict the only payment method I can use, especially when I have paid the return fees and demonstrated my commitment to fulfilling my obligations. I kindly ask that this restriction be lifted to allow me to continue paying my mortgage and avoid further financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: KS

Complaint narrative:
I have dispute XXXX XXXX on XXXX. All are decided within. 24 hrs but no reason why and no proof of debit

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 2024-12-03 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: NY

Complaint narrative:
I am filing this complaint to bring attention to an egregious violation of my consumer rights by TRANSUNION and XXXX XXXX. My credit report inaccurately reflects a timeshare account that was reported as a mortgage without my authorization. This misclassification has caused significant harm to my credit profile and violates several consumer protection laws. 
1.The timeshare account is unauthorized and was reported without my consent. 
2. It is inaccurately classified as a mortgage, which I do not have.

Legal Violations to Highlight : 1.Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : The credit bureaus failed to ensure maximum possible accuracy by misclassifying the timeshare. 15 U.S.C. 1681i ( a ) : They
have not promptly corrected this false information.

FCRA Section 611 ( a ) : Failure to investigate and correct inaccurate or unverifiable information.

FCRA Section 607 ( b ) : Obligation to ensure maximum possible accuracy in credit reporting.

Truth in Lending Act ( TILA ) : Regulation Z : Failure to ensure accuracy and disclosure regarding loans and credit-related accounts. 
The reporting creditor violated the disclosure requirements by misrepresenting the nature of the account as a mortgage, which is deceptive.

Gramm-Leach-Bliley Act ( GLBA ) : Reporting the timeshare without my explicit permission violates my right to privacy under this act.

Failure to safeguard consumer data and ensure it is used solely for authorized purposes.

Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Misreporting the timeshare as a mortgage constitutes an unfair and deceptive practice, damaging my creditworthiness. 
Impact on Me : This inaccurate reporting has caused harm by misleading potential creditors, leading to a higher credit risk profile and undue stress. 
Emotional distress due to the lack of compliance with consumer protection laws A breach of my privacy rights. 
thanks for your attention to this issue, I hope it can be resolve as soon as possible.

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 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: OR

Complaint narrative:
We had our Mortgage Loan transferred to Valon XXXX  XXXX. We made our payment on XX/XX/year> and it was processed on XX/XX/year>. 

I spoke with XXXX XXXX, and they confirmed the payment was processed on XX/XX/XXXX and they ( Valon XXXX  ) received the payment on XX/XX/year>. 

Valon XXXX  threatened to charge me a late fee in the future. I will not play there games. I have no control on how long it takes Valon XXXX  to process a payment XXXX XXXX  provided the following transaction number XXXX stating the payment was received on their end. 

The Mortgage was transferred over to Valon XXXX  and it was past the first of XX/XX/year> when the letter was received. 

Our previous Mortgage company failed to provide the required 15 day notice that they were transferring the mortgage to Valon  XXXX. 

The letter from our previous mortgage company was dated XX/XX/year> and post marked on XX/XX/year>. We all know it takes many days to recieve a letter coming from Colorado going to XXXX, Oregon. They failed to provide the required 15 day notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MN

Complaint narrative:
On XX/XX/year>, Aspire Servicing Center called my work phone number, which is a state government number, and asked me to return their call concerning my son 's student loan debt. The XX/XX/year> payment was due on XX/XX/XXXX, so they were calling to collect on the debt when it was exactly 2 days late. This company has broken the law in the following ways : 1 ) I am not a holder of the debt. I am a co-signor only. This company did not try to contact my son 's cell phone, which is the primary phone number listed on the account. I have never provided my work phone number at all to this company. It is not listed anywhere on any documentation we've provided and I have no idea how they got my work desk phone number. 2 ) The bigger issue in this is that I work for a state agency that has a data hold so this company has now violated my rights to privacy, as well as my son 's, by leaving a voice mail about a debt on a state agency phone number, which goes directly to my email because of how our work voice mail is set up. That call now has become a part of legal data hold, putting my personal information into a hold that should have never been placed out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to formally address and dispute the presence of inaccurate addresses that continue to appear on my credit report. Despite submitting prior dispute requests to rectify this matter, these incorrect addresses persist on record. I now insist on their immediate removal from my credit file. These addresses have no affiliation with me and hold no relevance to my personal or credit history. I have previously supplied the necessary documentation to validate my correct address and demanded the removal of these inaccuracies. However, your failure to resolve this issue despite multiple notifications constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The continued inclusion of these false addresses has the potential to cause significant confusion and inaccuracies, which could detrimentally affect my creditworthiness. I strongly urge your agency to undertake a meticulous review of my credit file and ensure that only verified and accurate information is maintained. 

It is your obligation under the FCRA to uphold the accuracy and integrity of the data furnished to lenders and other entities. I expect these erroneous entries to be immediately expunged from my credit report and measures to be put in place to prevent their recurrence. 

XXXX XXXX XXXX, XXXX XXXX, CA, 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 2024-12-03 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-12-03 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX ....

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 2024-12-03 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: AZ

Complaint narrative:
To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances. 

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from 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 non-monetary relief
Consumer complaint received 2024-12-03 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: AZ

Complaint narrative:
To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances. 

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I need to update my mailing address and in checking my report I found there are address that aren't mine, that Ive never lived at or never been associated with. I them removed/ BLOCK FROM MY 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