vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX and Lockhart & Morrison, as well as the three major credit reporting agencies : XXXX, XXXX, and XXXX. 

Background Information I have no contractual agreements with either XXXX XXXX XXXX or Lockhart & Morrison ; however, I have received multiple calls and letters from both companies attempting to collect alleged debts. Additionally, both companies have reported these accounts to the credit reporting agencies, which has negatively impacted my credit score. 

Violations of the Fair Credit Reporting Act ( FCRA ) The actions of XXXX XXXX XXXX and Lockhart & Morrison, along with the failure of XXXX, XXXX, and XXXX to adequately investigate and correct these inaccuracies, constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs consumer reporting. This statute provides consumers with protections against inaccuracies and unauthorized reporting on their credit reports. 

Request for Action I am requesting the following actions be taken : 1. Investigation and Removal : I ask that the CFPB investigate the practices of XXXX XXXX XXXX and Lockhart & Morrison regarding the collection of debts for which I have no contractual obligation. I request the immediate removal of these accounts from my credit reports with XXXX, XXXX, and XXXX. 
2. Removal of Inaccurate Information : I urge the credit reporting agencies to correct their records and remove any negative reporting associated with these accounts, as they are based on false claims. 
3. Enforcement of My Rights : I seek enforcement of my rights under the FCRA, ensuring that these companies cease their unlawful collection practices and that the credit reporting agencies comply with their obligation to report accurate information. 



Conclusion I appreciate your attention to this serious matter and look forward to your prompt response. Please inform me of any updates regarding the investigation and actions taken in response to my complaint. 

Thank you for your assistance. 

Sincerely, 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 2024-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I am filing a complaint regarding deceptive practices tied to a GoodLeap solar loan connected with the installation of a solar energy system through XXXX XXXX XXXX. The loan amount is {$53000.00}, which includes undisclosed fees amounting to approximately 33 %, significantly inflating the cost. These fees were hidden within the financing agreement and not properly disclosed during the sales process. 

XXXX XXXX, which managed the installation, has now filed for bankruptcy, voiding the promised 25-year warranty for parts, workmanship, and system maintenance. This has left me with unresolved issues, including roof leaks caused by the installation, without recourse for repairs under warranty. 

Recently, GoodLeap contacted me offering {$5000.00} in cash to increase my loan interest rate from 1.99 % to 5 %, which appears to be a predatory refinancing attempt. I believe this is part of a pattern of unethical financial practices similar to those identified in cases brought against GoodLeap and other solar lenders in Minnesota for hidden fees and deceptive lending. 

I request an investigation into these practices and assistance with canceling or adjusting my loan to reflect the fair market value and costs originally promised. Additionally, I ask for protection from further predatory lending actions and compensation for the loss of the promised warranty. 

You can use this version or tailor it slightly to match specific complaint forms. This covers the key elements of your case : hidden fees, lost warranty due to XXXX XXXX bankruptcy, unethical refinancing offers, and broader patterns of deceptive practices already being litigated in other states

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: IL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
To Whom it May Concern i am tired of being harrassed by debt collectors I XXXX XXXX consumer, and natural person am aware of all the rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ) The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Section 602A States I have the right to privacy. The Fair Credit Reporting Act ( FCRA ), also known as Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). These agencies compile reports on individuals for various entities, including credit card companies, banks, employers, landlords, and others. The FCRA forms the foundation of consumer rights law in the United States, alongside the Fair Debt Collection Practices Act ( FDCPA ). It aims to protect consumers from the inclusion of erroneous data in their credit reports. Key provisions of the FCRA include regulations on collecting, disseminating, and using consumer information, particularly related to credit history. FCRA Section 623 ( a ) ( 1 ) ( C ) outlines the responsibilities of furnishers of information to consumer reporting agencies ( CRAs ). Let me break it down : 1. Duty of Furnishers of Information to Provide Accurate Information : Prohibition : 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. Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. The information is, in fact, inaccurate. The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. The information is, in fact, inaccurate. No address requirement : If a person clearly and conspicuously specifies an address for notices related to inaccuracies, they are not subject to the abovementioned prohibition. However, selecting such an address is not mandatory. 2. Prohibition : 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 LVNV FUNDING ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXXXXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXXXXXX XXXX  LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: AL

Complaint narrative:
My credit report contains inaccuracies regarding unauthorized inquiries under 15 USC 1681c-2, which are damaging my credit. Kindly remove all hard inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My credit report showed a line of credit opened on XX/XX/year>XXXX at Target. Upon contacting Target, I learned the person who opened the account with an address at XXXX XXXX XXXX XXXXXXXX, Texas. They had access to my military credentials somehow. They created a false email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights ; under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2024-10-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights ; under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-10-15 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: WI

Complaint narrative:
RE : Social Security Number : XXXX To Whom It May Concern : Pursuant 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX Please PERMANENTLY delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. Wrong addresses : XXXX XXXX XXXX XXXX XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX, WI XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, WI 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 2024-10-15 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:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NY

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
On XX/XX/year> I filed a complaint in regards to XXXX ShellPoint. I wrote stating that since XX/XX/year> I have been trying to get my PMI cancelled off of my account. 
On XX/XX/year> I received a letter from XXXX stating that PMI will be removed given that my loan met the requirements post appraisal. In XXXX my mortgage note dropped from {$1100.00} to {$1000.00}, which is a {$76.00} difference. {$76.00} is what I was paying in XXXX  each month. However, even though my note went down as if PMI was cancelled, PMI was still being pulled from my escrow account. I had three withdrawals from escrow in the amount of {$76.00} after XX/XX/year>. One on XX/XX/year>, second on XX/XX/year>, and third on XX/XX/year> totaling {$230.00}. After many calls a supervisor named XXXX XXXX called me on XX/XX/year>. XXXX stated that PMI would be cancelled and that {$230.00} would be credited back to my escrow account. PMI was canceled. However, I was only credited {$46.00} on XX/XX/year>. I have called to have the remainder of {$180.00} credited back to me on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Nobody will call me back and XXXX XXXX informed me today that a note was placed on my account that all the money has been credited. That is dismissive, negligent, and incorrect on ShellPoints behalf. I have been unsuccessful in having XXXX XXXX call me back on this. Every time I call he is not available per customer service. I need the remainder credited back to my escrow account in the amount of {$180.00}.

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 explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-10-15 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: MO

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found INQIURY on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with explanation