vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
XXXX-Called to request an escrow analysis due to a decrease in my property taxes. I was told there would be a yearly analysis done in XX/XX/year> XXXX Called to see the status of my escrow account and to report misinformation. The mortgage company, newrez, indicates on their website that escrow analysis for those in XXXX  XXXX is in XXXX. Not as previously indicated on XX/XX/year>. The person had very broken XXXX and was of no help. The phone was answered by XXXX. 

XXXX Called and requested an escrow analysis as well as filed a grievance about the XX/XX/year> interaction. Was told it would be XXXX days, but since I filed a grievance this may escalate my request. The phone was answered by XXXX. 

XXXX Called to see the status of my previous request. The agent proceeded to tell me they had taken on XXXX accounts due to a merger and they were behind. I asked to be escalated to a manager who I could speak with. I was put on hold 4 times, coming back on to my call to let me know they were trying to find someone. The agent came back on to tell me they had spoken with XXXX who was going to escalate my request and this should be done within XXXX business days. The phone was answered by XXXX. 

At this point, I don't have much faith in their process. They currently have an overage of {$3700.00} in my escrow account with no upcoming payments due. They will continue to receive {$460.00} a month for escrow, while my total insurance and property taxes are currently about {$2000.00} a year until my escrow has been reevaluated.

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 2024-11-05 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: LCI Acquisition Inc.
State: ID

Complaint narrative:
Approximately XXXX weeks ago I contacted XXXX to contacted them to inquire who provided to them information relating to a Bankruptcy XXXX XXXX  filed at XXXX XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/year> ( Docket XXXX ), and their " information provider '' is G2 RISK SOLUTIONS CONSUMER CENTER. I have never provided any " information provider '' express written consent to share my consumer nonpublic information with any entity, and I hereby opt out of the sharing my consumer nonpublic information by an " information provider, '' such as G2 RISK SOLUTIONS CONSUMER CENTER, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and 16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. As of today, XXXX continues to illegally report this bankruptcy record, without and against my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$15000.00}

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 2024-11-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have made multiple attempts to address the inaccuracies on my credit report through the proper channels, yet Ive received no resolution, and Ive reached my limit. This experience has caused me immense frustration, XXXX, and countless sleepless nights, as I worry about my future due to the impact on my credit score. These errors are not only unfairly affecting my financial standing but also preventing me from getting credit applications approved. The ongoing issues with my report are making it difficult to move forward, and I urgently need these inaccuracies corrected to restore my peace of mind and financial stability.

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 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-05 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: AR

Complaint narrative:
Letter was sent to Experian for debt validation after they would not and did not remove the collection according to FCRA guidelines. Experian responded back stating the debt meet the requirements, but did not provide the process of how they validated the debt, nor the requested information sent in the letter, required by law.

Subject : Debt Validation Request for Account # Dear Experian, I am writing to request validation of a debt reported on my credit report. The account in question is listed as follows : Creditor : The XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Type : Collection Account Number Balance : Date Opened : XX/XX/year> The report indicates a consistent collection status since XX/XX/year>, and I dispute the accuracy of this information. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that the following be provided : Verification of the debt, including the original contract or agreement. 
Documentation showing that I am responsible for this debt. 
A detailed account of how the balance was calculated. 

Please consider this a formal dispute of the debt 's validity. I expect a response within XXXX  days of receipt of this letter, as required by the FDCPA. If the debt can not be validated, I request that it be removed from my credit report. Thank you for your prompt 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 2024-11-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted the following reporting agencies which are XXXX, XXXX, & equifax and made it clear that these items -XXXX XXXX Acct XXXX XXXX -XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX -XXXX XXXX XXXX Acct XXXX XXXXXXXX -XXXX XXXX XXXX XXXX Acct XXXX  XXXX -investment retrievers Acct XXXX XXXXXXXX are not my accounts and Ive been a victim of identity theft and they have yet to abide by the fair credit act and remove these unauthorized fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted the following reporting agencies which are XXXX, Transunion, & XXXX and made it clear that these items -XXXX XXXX Acct # XXXX -XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX are not my accounts and Ive been a victim of identity theft and they have yet to abide by the fair credit act and remove these unauthorized fraudulent accounts.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
Navient was sued and I guess the closed and have transferred me to XXXX. In process, navient has reported a late payment for XX/XX/year> and there was not. My credit score has dropped. I have proof from my XXXX XXXX account that they drafted the money from my checking account on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
I have received calls and the company has left voicemails saying that I would have police come to my door if I didnt pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I provided information proving to Experian that the information on there account was wrong and they refused to correct it. XX/XX/XXXX I also reached out the the actual company themselves and they also refused to change it send any paperwork validating the debt and gave a vague response back not indicating weather or not the situation was going to be cleared up. I want Experian to be held responsible. It's their job to make sure information is accurate. 
XX/XX/XXXX I got an alert and a bunch of phone calls from XXXX XXXX. Then I checked and saw searched online and saw it was my old XXXX XXXX that I opened in XX/XX/XXXX my loan balance was {$2400.00}. I got an alert on my credit XX/XX/XXXX that XXXX  XXXX  XXXX XXXXXXXX XXXX stated I have a balance of {$3300.00}. Which wasnt my loan amount. I was told by XXXX XXXX in XX/XX/XXXX that if I lost my job they would close the account as long as I was making payments. And I showed closed for years. Now I get this XXXX XXXX XXXX XXXX  notice. I sent XXXX  XXXX  XXXX  a letter XXXX XXXX asking to validate the debt and to validate the information was correct and I never heard back. But a vague response that didn't correct anything. Theyre trying to charge me for a loan that was told to me was closed and the loan amount isnt even correct. They never responded to my letter.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report shows billing errors, including late payments that dont align with my usual payment behavior. Please update and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: AR

Complaint narrative:
I am contacting you to request the immediate blocking and deletion of specific accounts and inquiries listed on my credit report, which have been associated with fraudulent activity following a recent data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my report.

Fraudulent Accounts XXXX. XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$3000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX/XXXX  - Date of Inquiry : XX/XX/XXXX XXXX. XXXX/XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX of Inquiry : XX/XX/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 2024-11-05 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: CA

Complaint narrative:
I have made multiple attempts to address the inaccuracies on my credit report through the proper channels, yet Ive received no resolution, and Ive reached my limit. This experience has caused me immense frustration, anxiety, and countless sleepless nights, as I worry about my future due to the impact on my credit score. These errors are not only unfairly affecting my financial standing but also preventing me from getting credit applications approved. The ongoing issues with my report are making it difficult to move forward, and I urgently need these inaccuracies corrected to restore my peace of mind and financial stability.

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 2024-11-06 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-11-06 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XX/XX/year> XXXXXXXX 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 2024-11-05 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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