vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: NC

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have made several calls to DEPT OF ED / AIDVANT to dispute several re-aged student loans that are more then XXXX years old on my credit report. The information on the student loans are not accurate and is not mine. 
These should be removed from XXXX, XXXX, and XXXX DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX XXXX {$8700.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXXXXXX XXXX XXXX {$77000.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX + {$490.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX XXXX {$2200.00} In good standing DEPT OF ED / AIDVANT Reported : XXXXXXXX XXXX XXXX XXXX {$7100.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXXXXXX XXXX XXXX {$6900.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX XXXX XXXX {$2200.00} In good standing DEPT OF ED / AIDVANT Reported : XXXXXXXX XXXX XXXX XXXX  {$9100.00} In good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

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 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm serious about suing your company if you don't fix my credit report! You've ignored my requests to investigate and remove the late dates, violating the law. Remove the negativity from the accounts I mentioned immediately, or I'll take legal action against you in my county. Your lack of professionalism disgusts me fix this now or face the consequences! XXXX XXXX XXXX. XXXX Date Opened : XX/XX/2017 Balance : {$5300.00} and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$4800.00}. Also, I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the cfpb... Please investigate this matter quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
I do not have a signed contract with this company. I'm requesting they see validation of debt sending a statement with paid or unpaid dollar amounts is not validation. I'm requesting a signed signature stating I owe XXXX XXXX XXXX this alleged amount that they placed on my consumer report without my permissible purpose which is a violation of my consumer rights I also believe this whole thing is fraud the dollar amount that they're requesting from me please provide purchase / forward flow agreement of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21 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: PA

Complaint narrative:
Please see attachments and make my credit report accuate. DELETE these items. i sent out certified letters, Experian and XXXX about the accuracy of my credit report. Today I noticed that my accounts werent 100 % accurate. The credit bureaus lied about doing a complete investigation and checking it 100 % for accuracy and this is a violation of my rights. I would like to know who did they speak with, who was interviewed and also how exactly was this investigation completed if everything on my report isnt accurate. XXXX did there investigation and remove the items in XXXX. It's been an ongoing process with these other two. The following information was straight from the XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681a - ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is the law that has to be followed. I am prepared to take this to court if my rights continue to be violated. I am not a lawyer, I have simply looked up information using my resouces and I understand my rights as a consumer. I have a right to privacy which has been violated because I NEVER gave written or verbal consent to furnish my data. I feel like I am being taken advantage of and its effecting my XXXX because this information is effectively taking a toll on my well being. Heres the accounts in question Account Name XXXX XXXX Account number XXXX Account Name - XXXX XXXXXXXX Account XXXX XXXX Account Name XXXX XXXX  Account number XXXX Account Name -XXXX XXXX XXXX Account number XXXX Account Name -XXXXXXXX  Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXXXXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX Account Name -XXXX Account number 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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Midwest Fidelity Services, LLC
State: VA

Complaint narrative:
To Whom It May Concern : Pursuant to my rights under the state and federal debt collection laws, including the Fair Debt Collections Practices Act ( FDCPA ), I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends, regarding any and all alleged debts. 

Additionally, my employer prohibits me from receiving your calls or written correspondence at work, so please refrain from contacting my workplace in any manner as well. 

You are hereby notified that if you do not comply with this request, I will immediately file complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, the Virginia Attorney General 's Office, and other appropriate regulatory bodies. Civil claims may be pursued.

Thank you for your cooperation in this matter.

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NV

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX 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 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: IA

Complaint narrative:
I must bring to your attention that the mortgage servicer M & T Bank has failed to follow the Real Estate Settlement Procedures Act ( RESPA ) by not notifying the borrower of the negative escrow balance that initially occurred in XX/XX/XXXX, and failed a second time in XX/XX/XXXX, failed a third time in XX/XX/XXXX, and subsequently failed a fourth time in XXXX of XXXX. 
It was not until the escrow account had been allowed to reach a negative value of nearly {$7000.00} in XX/XX/XXXX that M & T Bank contacted the borrower regarding the shortage. 
Due to this repeated failure to comply with RESPA, the borrower no longer has faith in the servicer 's ability to promptly and effectively manage the escrow. Additionally, a direct consequence of this negligence has resulted in the borrower 's mortgage payment doubling, causing extreme financial strain and hardship. 
Failure to comply with the Real Estate Settlement Procedures Act ( RESPA ) can result in various penalties and consequences. Some of the results of non-compliance with RESPA include : Penalties and Fines : Companies that violate RESPA can be fined as much as a few XXXX XXXX dollars in damages Civil Liability : Violators may be subject to civil liability of up to three times the amount they were paid and any attorney 's fees Criminal Liability : In some cases, a violation of RESPA can include jail time of up to 1 year Enforcement by CFPB : The Consumer Financial Protection Bureau ( CFPB ) is responsible for enforcing RESPA This is a vehement example of predatory behavior by a mortgage servicer that should not be allowed.

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 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This collection agency Jefferson Capital LLC said I owed a XXXX  XXXX  and can not prove I was even a customer. They just attached a bill to my name without any proof. I asked them repeatedly to prove I was there and they could not. I want to report them for their tactics that are illegally and false. they also said my account was opened in XXXX when XXXX went under in XXXX. This is a huge fraud case. Buying old debt and reporting this as new debt is not legal. I closed my XXXX  account XXXX  in XXXX! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
It has come to my attention that your financial institution is reporting information to XXXX XXXX XXXX without my knowledge or authorization. 

According to 12 CFR 1016.1, you are required to provide notice to customers about the privacy policy and practices. I never received such notices upon signing up for an account. Per 12 CFR 1016.4 you are required to provide a clear and conspicuous notice that accurately reflects your privacy policies to a consumer BEFORE you disclose any nonpublic information about me to any non-affiliated third party. XXXX XXXX XXXX is not an affiliated party pursuant to your privacy policies listed on your website. 

According to 15 US 6802, " a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third-party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ''. I was not provided any such notice prior to you disclosing this information nor was I told how to exercise the non-disclosure of my nonpublic information which is a violation of this law. 
Additionally, it is a violation of the Privacy Act of 1974 to furnish financial transactions. 

This is my second formal demand to opt out. You must comply with my right to opt out. Please note my right to opt out is indefinite unless you receive written communication from me stating otherwise. I am demanding you cease reporting to XXXX XXXX XXXX and instruct them to delete the entry from my consumer report. 

If you choose not to comply, I will be forced to not only report you to regulatory entities, I will also be taking necessary legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
In XXXX our mortgage, previously serviced by XXXX, was acquired and began to be managed by Roundpoint Mortgage Services. This transition was obviously not something we had a choice in. Following the transition, Roundpoint began to deduct the mortgage payment from the checking account, only with a randomized amount somewhat below what we'd set up on XXXXXXXX XXXX website, but considerably above the minimum payment due. I made repeated attempts, both on Roundpoint 's website and through contacting them via phone, to have this adjusted. The website seems incapable of addressing the autopay settings. 

In XXXX a stolen checkbook led to the closure of our checking account and the opening of a new one. Unfortunately Roundpoint continues to attempt deducting our mortgage payment from the old account. I had to manually pay an extra payment at our last cycle knowing that they one they show to have been made will be rejected. I've added the new payment account, but can't delete the old one because it is being used for autopay. But there is literally no way to change that on their website, and they refer you to contact them which unfortunately doesn't seem possible. 

I have called and tried to get through to a real operator, but been forced to leave my number for a callback. If one came, it was while I was in a work meeting. Today I tried calling during normal business hours and it actually gave me the option of speaking to an operator by pressing " XXXX. '' When I did so, however, the computer said that their offices had closed early. I attempted to write an email, since that is an option for contacting them. But the email dialog box that opens has a character limit far too short to explain my situation. 

How can I, as a consumer, be subjected against my choice to a company with such poor or impossible customer service, making deductions from checking accounts that I have no control over, and potentially impacting my credit history?

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 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Remove the fraudulent accounts off my credit report now! Other bureaus fixed it, so can you. Your lack of action is not just wrong but illegal delete those unauthorized accounts immediately, or face legal consequences. Take this seriously, act now, and ensure my credit report is accurate. I won't tolerate your delay in fixing this remove those accounts immediately! XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance {$4000.00}.

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 2024-02-21 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: NY

Complaint narrative:
I lost my social and Ive had multiple hard inquiries that I dont recognize in my credit report, I contacted the bureaus showing the inquiries but they have not dont anything about it.

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 2024-02-21 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: PA

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or 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