vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX 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 explanation
Consumer complaint received 2024-06-20 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: FC HoldCo LLC
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX run my credit. 
I didn't authorize this company to run my credit I've sent a letter on XX/XX/XXXX for validation that I approved them to run my credit. 
as of todays date XX/XX/XXXX I haven't received any 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 2024-06-20 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-20 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. In my dispute letter, I explicitly requested that TransUnion provide specific information on how they verified the accuracy of the disputed items, including : The date they contacted the creditor/furnisher. 
Contact information for the creditor/furnisher. 
Name of the person who verified the item. 
Method of communication used to verify the information ( phone, email, mail ). 
Whether the creditor provided my SSN, address, and date of birth. 
However, I have not received any response from TransUnion regarding my request. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, the bureau is required to provide the consumer with the results of the investigation, including specific details on the verification process if requested. 

TransUnions failure to respond to my dispute and provide the requested verification details is a violation of the FCRA. As a consumer, I have the right to accurate information in my credit report and to receive a thorough investigation into any disputed items.

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 2024-06-20 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: OH

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items 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 explanation
Consumer complaint received 2024-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can NOT be reported on a consumer 's report. In addition I am experiencing financial hardship and unable to obtain a loan or housing due to the deragotary marks on my credit report and ask that the information be corrected. In addition according to the FCRA information reported has to be accurate this is not my first time saying this so I will be providing proof with screenshots of my report. Clearly the dates don't match so any inaccurate informaton needs to be deleted NOT updated once the company becomes aware of its mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
XXXX : Account was sent to collections in XX/XX/XXXX for amount owed of {$690.00}. Reviewed my credit report thoroughly and XXXX has account as closed date as XX/XX/XXXX which is incorrect information and is effecting my credit report. As stated the first XXXX years can hurt your credit tremendously, which it has because XXXX  ( 3rd part collection agency-Source Receivables Management ) is reporting the date of collections incorrectly. I have reached out to XXXX third party debt collector and they even told me the account has been closed and sent to collections in XX/XX/XXXX ; I have even aske for the date to be correct upon my credit report and the third party debt collector has refused to change to correct date.I have spoke to managers in regards to this incorrect open date sent to collections but yet no help has been made. I also noticed in the month XX/XX/XXXX the {$690.00} debt was taken off of my credit report but placed back on in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Currently Midland Funding LLC is reporting on XXXX and XXXX XXXX reports for the amount of {$620.00} from XXXX XXXX XXXX XXXX XXXX  opened on ( XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX ). Account status on XXXX is reported as XXXX, on XXXX reported as XXXX. Upon reviewing my credit report I noticed I do not know the original creditor, nor have I ever had an account with a XXXX XXXX. I sent two letters to Midland Funding LLC asking for debt validation. The first one was sent on XX/XX/XXXX the second one was sent on XXXX XXXX. I have yet to receive any response, and the debit is still showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I have a mortgage with Rocket Mortgage which governs my principal, taxes, and interest payments through a mortgage escrow account. I make monthly automated payments on the XXXX of each month through my bank. I am current on all escrow shortages and monthly payments. 


My mortgaged property is part of a small municipality called XXXX XXXX which has a XXXX XXXX to pay the water and sewer use per property. The XXXX XXXX is exclusively the domain of the XXXX. There is no other government agency overseeing or involved in its operations or reporting. They bill property owners {$370.00} six times yearly, every other month. They charge a very small interest fee if you do not pay upon receiving each bill. The bills are for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I pay my bills in XXXX and XXXX. 


I paid my water bill in full on XX/XX/year> via paper bank check. The XXXX managed cited that it was received on XX/XX/year>. The check is posted to my account as paid. 

Rocket Mortgage reviewed the taxes page of XXXX XXXX and the Water/Sewer page. They saw my three open water bills and also made a payment on XX/XX/year> out of my Mortgage Escrow Account. This is an account utilized solely for the payment of my Mortage Principal, Taxes, and Insurance... NOT UTILITIES. 


I called and spoke with two representatives on XX/XX/XXXX as that was the date I received the Escrow Account Shortage notice sent to me via USPS. I inquired why my water bill was paid by my mortgage escrow account. The representatives offered to bring my questions to the escalation team as they had no answers. 


The escalation manager XXXX and I spoke on XX/XX/XXXX and she insisted that my open Water/Sewer bills were tax liens. I insisted that I have no tax liens for any reason open on the property. She said she sent me the webpage dated XX/XX/year> to show my open bills... she ignored the fact that the top of the page clearly states WATER/SEWER.

Rocket Mortgage is demanding that I replenish the Escrow Account, and that this will affect my future mortgage payments by up to 19 % because they are declaring this as a tax lien. 


I did not give them permission to use my escrow account for any reason other than the mortgage, taxes, insurance. There is no aspect to my mortgage agreement that this will be used to pay the private XXXX XXXX set up in the XXXX. How do I get them to stop this predatory practice!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: PA

Complaint narrative:
According to FCRA 605B, I think we need to eliminate any inaccurate accounts from my credit report. Can you verify the documents? The listed accounts have discrepancies in reporting, with wrong amounts and dates.

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 2024-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Education Principle Foundation
State: MN

Complaint narrative:
In XX/XX/2010 I began as a student at the Art Institutes Intl - MN. I was mislead by Admissions Staff to believe in certain expectations during my program, and after graduation. I was being pressured by Admissions Staff to start a program at The Art Institutes Intl - MN the entire spring, and summer of 2010. The Admissions staff said the projected timeline of study was 2 years for the Bachelor of Fine Arts program. They said total out of pocket cost would be around {>= $1,000,000} for said program. I should have been able to save even more considering I didn't take their outrageously expensive student housing package which was included in the original program 's plan. I already possessed an XXXX XXXX XXXX from a XXXX  College and I was looking at schools to transfer to. 

I moved an entire state away to attend this school at the terms agreed upon in the summer of 2010 between admissions staff and myself. I came in to sign some things for orientation at the school in XX/XX/2010. I was told that none of my agreed upon loans went through. Not even my Federal Student Loan program we agreed upon and already squared away or so I thought. 

They waited until I was plenty worked up about it, and then offered me a private loan from XXXX  XXXX XXXX XXXX, and financial aid for AI - MN helped me refile my Federal Application. This new XXXX loan required a co-signer. This new Federal Loan was un-subsidized. Both loans contained variable interest rates that had high variable fluctuation. 

My 2 year program turned into XXXX years. During my graduating quarter I learned about the lack of proper accreditation for AI - MN. I reached out to other recent graduates to gauge the work field, and projected income. No recent graduates were hitting the prospected marks post graduation. I attempted to find work for the next 4 years only to be scoffed from interviews, or told my degree was entry level, and I'd have to receive a lower expected salary. My XXXX from the Art Institutes Intl - MN is worthless. 

Currently, my XXXX XXXX  XXXX XXXX XXXX XXXX  loans have defaulted. My Federal Student Loans have been forgiven and reimbursed. I am currently being sued by the State of North Dakota for my Private Loan Default.

Company response to consumer: Untimely response