vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: IL

Complaint narrative:
I am writing to dispute a late payment thats listed on my credit. I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 ( a ) it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 1681n ( B ), consent from the consumer is required before furnishing information on their behalf to date, I have not granted such authorization to XXXX credit. I was never 30 days late and Ive attached proof including bank statements.

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 2024-09-15 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: FL

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information 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 2024-09-15 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: FL

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information 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 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 2024-09-15 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
This complaint is in regards to Cavalry Portfolio Services , LLC for Account # XXXX I refused to pay this alleged debt since I feel it was not validated. Mark this account cease and desist!

.

Under 15 U.S.C. 1692c ( c ), If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt the debt collector must cease all communication. 

Reporting to my consumer report is a form of communication. Delete this alleged debt from my credit file, which you are reporting to the consumer reporting agencies, in accordance with the cease and desist notification in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Equifax : [ Professional Financi ] [ XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
recently checking my credit report i noticed that l 've been a victim of identity theft and found numerous credit inquiries l have no knowledge of here are the inquiries that l 've found XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX XX/XX/2024, please remove these fraudulent inquiries from my credit l also attached my identity theft report as well.

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 2024-09-15 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:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Equifax : [ Professional Financi ] [ XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: IL

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 a third party. They in fact did not come form a third party. I even called them to verify it was me and they 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 throughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: IL

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 a third party. They in fact did not come form a third party. I even called them to verify it was me and they 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 throughly 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 2024-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: STANDARD MORTGAGE CORPORATION
State: IN

Complaint narrative:
Standard Mortgage, who has my mortgage, made mistakes when renewing my insurance this year and double charged my escrow account for it. On XX/XX/XXXX, they paid XXXX XXXX {$7600.00}. Then on XX/XX/XXXX, they paid for additional hazard insurance from XXXX for the same amount, {$7600.00}. 

In XXXX, my mortgage payment vastly increased because of this, going from {$1800.00} to them demanding {$2500.00} to correct the erroneous escrow deficit. I contacted the company repeatedly over the last month to try and get the escrow amount restore and my monthly payment down. Despite being told they were aware of the problem, they have still not fixed the escrow or my monthly payment, going so far as to charge me a late fee and sending debt collection communications. 

My payments for the correct amount are not being counted as payments because of their mistake. In addition to being wrong and bad business practice, this is additionally lowing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is not a trustworthy credit reporting service. 

1. Frequent, unsolicited email from Experian even after requesting to be unsubscribed from all emails. Logged on and opted out on all email, and yet they still send me email about my credit report just because they have my email address.

2. Falsely reporting status of my accounts. All are paid as agreed, but Experian is sending out information about delinquencies that don't exist.

3. Still receiving offers of credit in the mail after fully opting out. I logged into Experian and found daily " creditmatch '' inquiries. I did not request this service, and there is no way to get it to stop. They occur every single day over the past year.

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 2024-09-15 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 formally requesting an investigation into XXXX XXXX for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these hard inquiries to be made. Despite multiple requests, XXXX XXXX has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. 
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 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 These unauthorized hard inquiries have raised serious concerns regarding XXXX XXXX compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information. These actions have negatively impacted my credit score and financial standing, causing significant hardship. I have not provided any entity with the authority to access or pull my credit, and XXXX XXXX failure to comply with FCRA regulations has caused undue harm to my credit standing. I respectfully request that the CFPB investigate XXXX XXXX XXXX, hold them accountable for their failure to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, I have repeatedly communicated my concerns to XXXX XXXX, including sending notarized documents via first-class mail, yet they continue to ignore my requests and subject me to XXXX XXXX  through these unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, an unrecognized and unauthorized charge of {$1700.00} from XXXX appeared on my Chime checking account. After attempting to reach XXXX to no response I opened a dispute through Chime customer support on XX/XX/XXXX. A day later the dispute was closed without even contacting me with no evidence provided to me nor any further communications requesting any additional info. I appealed the dispute and the same thing happened. As of XX/XX/year> I have disputed and appealed this charge over a dozen times and Chime still refuses to give me any explanation or reasoning that goes into their decision. Each time I call Im given false hope and told to wait another week just for nothing to happen about the fraudulent charge and this has gone on for months! I feel like no real people are reviewing the dispute and an automated system is just automatically denying it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2024 Company or Bill Collector damages your credit through no fault of your own, By failure to validate debt when asked and falsely reporting the debt which interim damage reputation and or prevented me from credit approval due to score dropping. 

I have and never applied for credit or cash advance from the following and has requested removal in writing to the following. 

1XXXX XXXX XXXX XXXXXXXX DEBT WAS REPORTED AS FRAUD NEVER SENT PROOF OR A VALADATION OF THIS DEBT AFTER XXXX REQUEST **** NEVER SUPPLIED 2. XXXX XXXX XXXX XXXX DEBT WAS REPORTED AS FRAUD NEVER SENT PROOF OR A VALADATION OF THIS DEBT AFTER XXXX REQUEST **** NEVER SUPPLIED 3. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I HAVE NEVER OPEN AN ACCOUT WITH THIS MERCHANT -A REQUEST FOR VALIDATION OF THIS DEBT / CONTRACT/ BILL ****NEVER SUPPLIED AFTER REQUESTED At this time Im requesting removal of each an all collection reported in error after 3 attempts to seek validation no report or bill or validation has arrived Please remove the following collection agency due to lack of knowledge of proving matter was legitimate prior to report and no notification due to identity thief no knowledge of this debt was ever rendered.

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 2024-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The collection agency never spoke with me about debt.

The collection did not notify me by mail/or electronically about the debt.

I have not received a debt validation letter from the from the collection agency.

My report from collection agency does not have the payment history of the debt from original owner.

or at all.

The credit report does not show original date of opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/2024 To whom it may concern. I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account name XXXX Account number XXXX Reinvestigate the completeness of every piece of information and if its not accurate please remove it from my credit report.

Base of consumer law 15 U.S. Code 16811 procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, Experian has failed to remove the account from my credit report, continuing violate FCRA regulations.

Experian 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
These accounts are not only reporting as open, also shows past due {$1700.00}, {$3200.00}, and {$1300.00}. I was not properly notified of these fraudulent debts, nor due I claim ownership and debts are not validated. According to the FCRA, I have the right to an accurate credit report. Asked company for an immediate removal and to please remove this account from my report immediately, & provide me w/a copy of my new report showing removal. In addition the collection agency is not licensed to collect debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient still has me as past due of the private loan when it has been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: GA

Complaint narrative:
My response is to address an issue regarding the reporting of my account associated with the XXXX XXXX XXXX XXXX, which is currently listed as " Verified as Reported '' on my credit report. I am concerned that this reporting does not fully comply with the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to reference the following provision of the FCRA : 15 U.S. Code 1681b - Permissible Purpose of Consumer Reports : This section outlines the permissible purposes for which a consumer report may be obtained. It is crucial that all information included in a consumer report is accurate and obtained in compliance with these permissible purposes. It has come to my attention that the details provided by the XXXX XXXX XXXX XXXX  may not fully align with these requirements. Additionally, it is important to note that courts typically do not provide detailed information directly to profit-driven reporting agencies. The information reported by the court should be limited to factual judgments and rulings rather than any additional or potentially misleading details. Furthermore, I did not request or authorize the inclusion of a description of non-monetary relief related to this account. Under the FCRA, all information reported should be accurate and relevant to the consumers credit history. The inclusion of non-monetary relief details that were not requested or discussed with me appears to be inconsistent with these requirements. In light of these concerns, I request the following actions : Verification of Accuracy : Ensure that it aligns with the requirements outlined in 15 U.S. Code 1681b, and that all reported details are accurate and relevant. Correction of Errors : If inaccuracies or discrepancies are identified in the reported information, including the unwarranted description of non-monetary relief, please promptly correct these errors and provide an updated credit report reflecting the accurate information. Clarification of Source : Provide clarification on how the information from the XXXX XXXX XXXX XXXX  was obtained and reported. Ensure that the reporting process adheres to FCRA guidelines, especially regarding the permissible purposes for obtaining and reporting consumer information. I appreciate your prompt attention to this matter. Please inform me if any additional information is required from my end to facilitate this process within 30 days. I look forward to your response and the resolution of these issues. Thank you for your assistance.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I requested a security freeze be placed on my credit profile on XX/XX/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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I requested a security freeze be placed on my credit profile.

Company response to consumer: Closed with explanation