vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 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: FL

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

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 2024-04-06 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: OH

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved inaccuracies on my credit report held by Experian. Despite my numerous attempts to resolve this issue, including sending certified letters in XXXX and XX/XX/XXXX, the errors remain uncorrected, significantly impacting my life and infringing upon my rights under the Fair Credit Reporting Act ( FCRA ). 

The erroneous information has had a significant impact on my ability to secure employment, obtain credit, purchase a home, and more. For example, I was recently denied a job offer due to the inaccuracies on my credit report. I have also been denied credit for a car loan and a mortgage, which has limited my ability to purchase a home. This has caused me significant financial hardship and stress. 

Therefore, I urge the CFPB to intervene and ensure a thorough investigation by Experian into the disputed accounts listed below XXXX XXXX XXXX | {$8800.00} | Account # XXXX XXXX XXXX  | {$10000.00} | Account # XXXX XXXX | {$2100.00} | Account # XXXX XXXX XXXX XXXX | {$1600.00} | Account # XXXX XXXX | {$11000.00} | Account # XXXXXXXX XXXX XXXXXXXX | {$4300.00} | Account # XXXXXXXX XXXX XXXX | {$4300.00} | Account # XXXX XXXX XXXX  | {$5600.00} | Account # XXXX XXXX  | {$11000.00} | Account # XXXX XXXX XXXX XXXX | {$580.00} | Account # XXXX XXXX XXXX XXXX | {$6400.00} | Account # XXXX XXXX XXXX XXXX XXXX | Lates on XXXX XXXX, XX/XX/XXXX, and XXXX and XXXX XXXX I request the CFPBs assistance in rectifying this matter promptly. Thank you for your attention to this matter.

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 2024-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Please be advised that I purchased a home on XX/XX/XXXX, I purchased the home with monthly payments calculation of XXXX with insurance and taxes. 
I was paying through XXXX until XXXX XXXX without no problems, lender was withdrawing automatically from my bank account. Suddenly, on XX/XX/XXXX, I RECEIVED a mortgage payment for {$8000.00}. I was XXXX and I called them and requested an explanation with no respond. Everyperson were saying something different. They were saying first the insurance with wind and other were saying short escrow. Every time that I called, I requested for them to record conversation in case that I need to go to court. I am very distress because they added wind coverage which it was not requested 2 years ago plus they backdated the escrowed since the time of purchased. I send last year on XXXX a certified letter for them to send me an explanation and still I did not received such letter. I am in a very bad situation because I am not in the position to pay such amount of money especially when the lender took my insurance without wind and they added insurance backdated. I had found that Select XXXX  has similar sued from different people like XXXX Virginia consumer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX case XXXX XXXX District Court SD FLORIDA. 
The following are my complaint : Mortgage holds the funds in an escrow to pay taxes and insurance on behalf of borrower which this arrangement are not explained thru fully to the consumer. 
XXXXThe lender is required to provide with mortgage service disclosure statement with details. 
XXXXIf cost of homebuyers is inflated beyond what is standard, this can also be consider RESPA VIOLATION. 
XXXX The fraudulent deceptive and unfair tactics to make us believe that the mortgage monthly is appropriate and later we can not afford it. 
I have all the proof which I am also consider writing to the Department of Housing about this. I am in a situation where Select Portfolio has been sending letter treated me of foreclosure the home. 
PLEASE let me know what you need from me to send, I am not able to pay any longer outrageous modifying fees from Select Portfolio. 
I have been borrowing money and I am up to date. 

Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems , LLC posted a collection account on my credit report without first attempting to contact me. The account showed up with a date of XX/XX/2023. They have no proof of an attempt to contact me, as I have no proof of them attempting to contact me. This is a violation of my rights under the FCRA. The company is attempting to leverage their negative credit reporting as a tactic to get me to pay a debt that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I sent a debt validation letter to Genesis Credit Management, the collections agency reporting a debt on my credit report, as required by the Fair Debt Collection Practices Act. The letter requested they provide various pieces of information and documentation to validate the alleged debt within 30 days. However, Genesis Credit Management failed to respond to my validation request within the 30-day timeframe mandated by law. They have continued to report the unverified debt on my credit report without providing the required validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: WI

Complaint narrative:
This is a result of XXXX XXXX opening up several fraudulent utility accounts under my name and attempting to collect the owed amounts via various collection agencies. 

XXXX XXXX was already notified, along with the previous debt collection agency that this was fraud. Furthermore, all 3 credit bureaus were notified and I filed various identify theft reports. 

However, XXXX XXXX continues to harass me and trying to collect money on accounts I never opened. In addition, as previously reported, they failed to go through a proper identity verification process for the accounts they opened and clearly have horrific business practices. 

This company should be throughly investigated and if they continue to harass me through collection agencies, I may be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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:
I am a victim of identity theft and I am not responsible for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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:
I am a victim of identity theft and I am not responsible for this debt.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
A credit card tried to say I defaulted on a loan with them it was a credit card not a defaulted loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon receiving a paid copy of my consumer report I noticed several inquiries that was not authorized by me. These accounts are a result of identity theft. Attach to this complaint is an ftc report. I request that these inquiries be removed immediately.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX  regarding a fraudulent account that remains on my credit report despite my previous requests for its removal. This situation has caused significant distress and financial harm, and I believe it is necessary to involve the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) [ 1 ], XXXX XXXX  is obligated to conduct a reasonable investigation of a direct dispute when it relates to the consumer 's liability for a credit account or other debt with the furnisher. I have previously notified XXXX XXXX  about the fraudulent nature of the account and provided substantial evidence, including my driver 's license, social security card, police report, FTC ID Theft Affidavit, notarized letter, and prison release form [ 6 ]. 

In addition, under FCRA Section 609 ( e ) [ 2 ], XXXX XXXX  is required to provide records of fraudulent transactions to victims of identity theft within 30 days of receiving a request for these records. Despite my request, XXXX XXXX  has failed to comply with this requirement. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX, but they have been unresponsive and have not taken any action to rectify the situation. Therefore, I am turning to the CFPB for assistance in resolving this matter. 

I kindly request that the CFPB investigate this complaint against XXXX XXXX  and take appropriate action to ensure the removal of the fraudulent account from my credit report. XXXX XXXX XXXX  failure to comply with the FCRA not only violates my rights as a consumer but also has severe consequences for my financial well-being. 

I have attached all relevant documentation, including my previous correspondence with XXXX XXXX  and the supporting evidence of the fraudulent account. I trust that the CFPB will thoroughly review this complaint and work towards a resolution that is fair and just. 

Thank you for your attention to this matter. I look forward to a prompt response and the resolution of 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 non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX  regarding a fraudulent account that remains on my credit report despite my previous requests for its removal. This situation has caused significant distress and financial harm, and I believe it is necessary to involve the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) [ 1 ], XXXX XXXX  is obligated to conduct a reasonable investigation of a direct dispute when it relates to the consumer 's liability for a credit account or other debt with the furnisher. I have previously notified XXXX XXXX  about the fraudulent nature of the account and provided substantial evidence, including my driver 's license, social security card, police report, FTC ID Theft Affidavit, notarized letter, and prison release form [ 6 ]. 

In addition, under FCRA Section 609 ( e ) [ 2 ], XXXX XXXX  is required to provide records of fraudulent transactions to victims of identity theft within 30 days of receiving a request for these records. Despite my request, XXXX XXXX  has failed to comply with this requirement. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX, but they have been unresponsive and have not taken any action to rectify the situation. Therefore, I am turning to the CFPB for assistance in resolving this matter. 

I kindly request that the CFPB investigate this complaint against XXXX XXXX  and take appropriate action to ensure the removal of the fraudulent account from my credit report. XXXX XXXX XXXX failure to comply with the FCRA not only violates my rights as a consumer but also has severe consequences for my financial well-being. 

I have attached all relevant documentation, including my previous correspondence with XXXX XXXX  and the supporting evidence of the fraudulent account. I trust that the CFPB will thoroughly review this complaint and work towards a resolution that is fair and just. 

Thank you for your attention to this matter. I look forward to a prompt response and the resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding a fraudulent account that remains on my credit report despite my previous requests for its removal. This situation has caused significant distress and financial harm, and I believe it is necessary to involve the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) [ 1 ], XXXX XXXX  is obligated to conduct a reasonable investigation of a direct dispute when it relates to the consumer 's liability for a credit account or other debt with the furnisher. I have previously notified XXXX XXXX  about the fraudulent nature of the account and provided substantial evidence, including my driver 's license, social security card, police report, FTC ID Theft Affidavit, notarized letter, and prison release form [ 6 ]. 

In addition, under FCRA Section 609 ( e ) [ 2 ], XXXX XXXX  is required to provide records of fraudulent transactions to victims of identity theft within 30 days of receiving a request for these records. Despite my request, XXXX XXXX  has failed to comply with this requirement. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX, but they have been unresponsive and have not taken any action to rectify the situation. Therefore, I am turning to the CFPB for assistance in resolving this matter. 

I kindly request that the CFPB investigate this complaint against XXXX XXXX  and take appropriate action to ensure the removal of the fraudulent account from my credit report. XXXX XXXX XXXX failure to comply with the FCRA not only violates my rights as a consumer but also has severe consequences for my financial well-being. 

I have attached all relevant documentation, including my previous correspondence with XXXX XXXX  and the supporting evidence of the fraudulent account. I trust that the CFPB will thoroughly review this complaint and work towards a resolution that is fair and just. 

Thank you for your attention to this matter. I look forward to a prompt response and the resolution of 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 non-monetary relief
Consumer complaint received 2024-04-06 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: MI

Complaint narrative:
I am a victim of identity theft and I am not responsible for this debt.

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 2024-04-06 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: KY

Complaint narrative:
Upon checking my credit report Ive seen accounts thats listed on all three of my reporting bureaus these account do not belong to me! I have been trying to get these removed for quite some time now and theyre sending me alerts that the accounts are verified and accurate but I know for a fact that isnt true and these account DO NOT BELONG TO ME! 

There are two accounts reporting on my XXXX, XXXX & TransUnion under the name 1.XXXX XXXX 2.XXXX XXXX These accounts appear to have been open in XXXX I need these to be removed! Please remove these negative items from my report and update my accurate information as Ive requested!

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 2024-04-06 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: KY

Complaint narrative:
Upon checking my credit report Ive seen accounts thats listed on all three of my reporting bureaus these account do not belong to me! I have been trying to get these removed for quite some time now and theyre sending me alerts that the accounts are verified and accurate but I know for a fact that isnt true and these account DO NOT BELONG TO ME! 

There are two accounts reporting on my XXXX, Equifax & XXXX under the name 1.XXXX XXXX 2.XXXX XXXX These accounts appear to have been open in XXXX I need these to be removed! Please remove these negative items from my report and update my accurate information as Ive requested!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: KY

Complaint narrative:
Upon checking my credit report Ive seen accounts thats listed on all three of my reporting bureaus these account do not belong to me! I have been trying to get these removed for quite some time now and theyre sending me alerts that the accounts are verified and accurate but I know for a fact that isnt true and these account DO NOT BELONG TO ME! 

There are two accounts reporting on my Experian, XXXX XXXX XXXX under the name 1.XXXX XXXX 2.XXXX XXXX These accounts appear to have been open in XXXX I need these to be removed! Please remove these negative items from my report and update my accurate information as Ive requested!

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 2024-04-06 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: GA

Complaint narrative:
This account is reporting inaccurate information on all three ( CRA ) this account must be deleted immediately from my credit profile.

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