vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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:
I disputed XXXX late payments that were reported on my credit by XXXX XXXX XX/XX/year> & XX/XX/year>. After I disputed those XXXX, they made them both current but added on XXXX other late payments that were never late. Those XXXX added late payments are months XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> & XX/XX/year>. XXXX of which were actually deferred properly through the company XX/XX/year> & XX/XX/year>. I made all of the payments on time and have all of the payment dates to prove so. In the event of disputing directly through the company they proceeded to do nothing. This has really caused an issue with my credit and purchasing another car that is greatly needed by 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 2024-12-12 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: CT

Complaint narrative:
I XXXX  submitted my dispute on XX/XX/XXXX and, upon receiving notice that the original documents were of low quality, promptly provided additional supporting materials on XX/XX/XXXX. However, despite my timely actions, I have received no meaningful communication or resolution from your company. Instead, I was sent a letter falsely accusing me of employing a credit repair organization. As I clarified in my follow-up letter, I have personally handled all correspondence related to this matter, but despite this, I have yet to receive any response or resolution. 

This lack of action and oversight on your part has caused significant distress, and I am now left with serious concerns regarding your companys commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and provide a response within XXXX  days. Your failure to meet this obligation is a clear violation of the statute.

Furthermore, I believe your actionsor lack thereofmay constitute a violation of the Massachusetts Consumer Protection Act, XXXX. XXXX XXXX, which prohibits unfair and deceptive practices. The ongoing delays, contradictory responses, and failure to communicate effectively in clear English have only compounded the issue. 

This lack of accountability has not only hindered my efforts to resolve the inaccuracies on my credit report but has also severely undermined my trust in your institutions integrity. I request that this matter be addressed immediately and that I receive a prompt, clear, and definitive response. 

I trust that you will take my concerns seriously and work towards a resolution in accordance with the law.

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 2024-12-12 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: NY

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
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 XXXX 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 ACCOUNTS and 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 ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2024-12-12 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: UT

Complaint narrative:
I made a loan payment on XX/XX/XXXX, and am less than a month behind for a XX/XX/XXXX payment and Mohela calls me XXXX to XXXX times a day, every day. This is disruptive and unacceptable. I have also noticed that non of my payment is going to my principal, {$140.00} a month is only being applied to interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi bank did a hard inquiry on my credit, I did not authorize it on XX/XX/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 non-monetary relief
Consumer complaint received 2024-12-12 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:
XXXX XXXX responded and said they would make changes, but if you look below from the original dispute to now, nothing has been changed to paid on time. The consumer reporting agencies need to report all information with complete accuracy. This has been affecting my personal finances and eligibility for my family. Now, I am demanding that they mark my account as in fact paid on time since this is a violation of my rights. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
XXXX XXXX responded and said they would make changes, but if you look below from the original dispute to now, nothing has been changed to paid on time. The consumer reporting agencies need to report all information with complete accuracy. This has been affecting my personal finances and eligibility for my family. Now, I am demanding that they mark my account as in fact paid on time since this is a violation of my rights. Thank you for your understanding and prompt action.

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 2024-12-12 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: IL

Complaint narrative:
The medical collections reported on my credit file are inaccurate, unverifiable, and illegal under federal law. Despite previous disputes submitted directly to your credit bureau and the collectors, no adequate validation or removal of the unlawful entries has been provided. These actions violate my rights as a consumer and compromise the privacy of my medical information.

Specific Accounts in Question XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> Merchants Credit Guide Original Creditor : Village of XXXX XXXX : {$1900.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> List of Violations Violation of Privacy ( HIPAA, 42 U.S.C. 1320d et seq. ) : Disclosure of medical information to third parties, including credit bureaus, without my authorization.

Failure to Validate Debt ( FDCPA, 15 U.S.C. 1692g ) : Collection agencies have not provided sufficient documentation to validate the debts in question. 

Failure to Correct Inaccurate Information ( FCRA, 15 U.S.C. 1681s-2 ) : Continued reporting of disputed items without conducting reasonable investigations.

Unfair Practices ( FDCPA, 15 U.S.C. 1692f ) : Reporting medical debts without proper validation or legal authority constitutes an unfair practice.

Actions Requested Immediate Removal of Medical Collections : All medical collection entries must be removed from my credit report immediately as they were furnished in violation of HIPAA and FCRA.

Cease and Desist Disclosure of Medical Information : Ensure that no further medical information is disclosed to credit bureaus or other third parties without explicit authorization.

Investigation and Enforcement : Investigate the actions of the collection agencies involved and enforce compliance with HIPAA, FCRA, and FDCPA.

Validation of Debt : Require collection agencies to provide documentation proving their right to collect the alleged debts, including proof of authorization to disclose medical information.

Conclusion The disclosure of medical information and the furnishing of medical collections on my credit report violate federal laws designed to protect consumer rights and privacy. I request your immediate intervention to address these violations and ensure the removal of these unlawful entries from my credit report.

Thank you for your prompt attention to this matter. Please contact me at [ Your Contact Information ] with any updates regarding this dispute. I am prepared to provide additional documentation if necessary.

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 2024-12-12 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:
The medical collections reported on my credit file are inaccurate, unverifiable, and illegal under federal law. Despite previous disputes submitted directly to your credit bureau and the collectors, no adequate validation or removal of the unlawful entries has been provided. These actions violate my rights as a consumer and compromise the privacy of my medical information. 

Specific Accounts in Question XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1000.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX : {$1900.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> List of Violations Violation of Privacy ( HIPAA, 42 U.S.C. 1320d et seq. ) : Disclosure of medical information to third parties, including credit bureaus, without my authorization. 

XXXX XXXX XXXXXXXX XXXX ( FDCPA, 15 U.S.C. 1692g ) : Collection agencies have not provided sufficient documentation to validate the debts in question. 

Failure to Correct Inaccurate Information ( FCRA, 15 U.S.C. 1681s-2 ) : Continued reporting of disputed items without conducting reasonable investigations. 

Unfair Practices ( FDCPA, 15 U.S.C. 1692f ) : Reporting medical debts without proper validation or legal authority constitutes an unfair practice. 

Actions Requested Immediate Removal of Medical Collections : All medical collection entries must be removed from my credit report immediately as they were furnished in violation of HIPAA and FCRA.

Cease and Desist Disclosure of Medical Information : Ensure that no further medical information is disclosed to credit bureaus or other third parties without explicit authorization.

Investigation and Enforcement : Investigate the actions of the collection agencies involved and enforce compliance with HIPAA, FCRA, and FDCPA.

Validation of Debt : Require collection agencies to provide documentation proving their right to collect the alleged debts, including proof of authorization to disclose medical information.

Conclusion The disclosure of medical information and the furnishing of medical collections on my credit report violate federal laws designed to protect consumer rights and privacy. I request your immediate intervention to address these violations and ensure the removal of these unlawful entries from my credit report.

Thank you for your prompt attention to this matter. Please contact me at [ Your Contact Information ] with any updates regarding this dispute. I am prepared to provide additional documentation if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/year> Mildland Credit Management received an account from XXXX XXXX  which was wrongfully sold to them without my consent. The amount is {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Dispute of Late Payment Records from Capital One Bank and XXXX XXXX ( XXXX XXXX ) ** To Whom It May Concern, I am writing to formally dispute the reporting of late payments from XXXX by Capital One Bank and XXXX XXXX ( XXXX XXXX ) on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), these creditors have violated my rights under 15 U.S.C. 1681, specifically : Section 602 ( Congressional Findings and Statement of Purpose ) : This section establishes my right to privacy, emphasizing the importance of ensuring that credit reporting practices are fair and protect consumer confidentiality. 
Section 604 ( a ) ( Permissible Purposes of Consumer Reports ) : This section prohibits consumer reporting agencies from furnishing a consumer report without a valid reason, such as my direct authorization or a permissible purpose under the law. 
Additionally, payments on open consumer accounts can not be reported as late if they are within the agreed-upon terms or grace period defined in the original account agreement. Reporting such payments as late without clear, documented authorization violates the FCRAs principle of ensuring accuracy and fairness in credit reporting. 

As these rights and protections have been violated, I am requesting the immediate removal of these late payment records from my credit report. 

Please confirm receipt of this complaint and advise me on the steps your agency will take to rectify this matter. I look forward to resolving this issue promptly. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit.

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 2024-12-12 00:00:00
Product: Mortgage — Other type of 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: CO

Complaint narrative:
I am writing to express my extreme dissatisfaction with RoundPoint Mortgage 's handling of my insurance claim for hail damage to my property. The damage occurred on XX/XX/year>, and since then, I have encountered significant delays, poor communication, and a general lack of professionalism. 

Key Issues : Excessive Processing Time : Despite promptly submitting all required documentation, including endorsed insurance checks, RoundPoint has taken an inordinate amount of time to process each check. This has caused significant delays in the repair process. 
Inconsistent and Conflicting Information : I have been provided with contradictory information regarding the status of my claim on multiple occasions. This has led to confusion, frustration, and additional stress. 
Lack of Communication and Accountability : Despite numerous attempts to contact RoundPoint 's customer service department, I have been met with long wait times, dismissive attitudes, and a failure to resolve my issues. 
Unnecessary Delays : The most recent delay stems from the repeated requests for an adjuster 's worksheet, which I have provided multiple times. This unnecessary delay has further hindered the progress of my claim. 
I am deeply disappointed with RoundPoint Mortgage 's handling of this matter. I urge the Better Business Bureau to investigate this complaint and take appropriate action to hold RoundPoint accountable for their poor service. I am seeking a swift resolution to this issue, including the immediate release of my final insurance check.

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 2024-12-12 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: MO

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
These credit reporting companies are reporting fraudulent information on my credit report I tried to have them remove them and they are giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: OH

Complaint narrative:
I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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