vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
I received a certified letter on XX/XX/XXXX that my property was being auctioned off to the highest bidder on XX/XX/XXXX. Just that one piece of paper. I called Carrington Mortgage services and they said that the trustee initiated it, and so I called the trustee at XXXX XXXX XXXX and explained my concern that I didnt get proper notification or a chance to verify debt, and the secretary took my message and XXXX XXXX called me back and I asked her how she can hold an auction without me knowing besides a one page letter saying when and where the auction was being held, she said because she has a title chain she can do it, I explained that the title chain is invalid referencing certain assignment transfers to her that were fraudulent. 
-one done on XX/XX/XXXX was done during my bankruptcy prior to getting approval from the bankruptcy court to do so. My plan was already confirmed and active, as well as my name being spelled incorrectly. 
- one done on XX/XX/XXXX notes a different loan number than the note its attaching too, they put their transferred loan number in the bottom of the deed of trust trying to make it look like a connection to go together. 
When I mentioned these concerns to her, she replied well you know who you are dont you in reference to the typo, very unprofessional, and I explained that during my bankruptcy the judge had issued an order that would effect what she doing if she would just look at my case because its in my file at her office as well. Very unprofessional and unethical manners in my opinion for her to talk that way to someone whose house you are getting ready to sell in an auction. I explained that I am the trustor on the property your selling and your the successor trustee shouldnt you be unbiased and listen to my side as well. She replied she didnt care she was going through with the auction, and advised me to go talk to a lawyer if I wanted answers. Seems very sketchy to me for the bankruptcy attorney, the foreclosing attorney and the successor trustee to all work at the same place, what chance do I have for anyone to listen to me about my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
There are fraudulent items on my credit report that I have never authorized or benefited from, and their presence is deeply distressing. These inaccuracies are not only damaging my credit but also tarnishing my character, which is both insulting and a violation of my rights as a consumer. Despite reporting this fraud to the Federal Trade Commission, the items remain on my report, which is incredibly disappointing. The very systems meant to protect consumers like me have failed to resolve the issue.

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 2024-11-27 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: NM

Complaint narrative:
Formal Dispute Regarding Inaccurate and Incomplete Credit Reporting for Account # [ XXXX ] listed as XXXX XXXX XXXX XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I have the right to dispute inaccurate, incomplete, or untimely information and to expect maximum accuracy in the reporting of my credit information. Upon reviewing my credit file, I have identified the following issues that need immediate investigation and resolution : Issues Identified XXXX. Failure to Report to [ TransUnion/XXXX  ] XXXX This account is being reported only to XXXX and is not present on my [ TransUnion/XXXX  ] report. This selective or inconsistent reporting leads to an incomplete representation of my credit history, potentially impacting my creditworthiness unfairly. FCRA Violation : FCRA 1681e ( b ) mandates that credit reporting agencies ensure maximum possible accuracy in consumer reports. Omitting this account from [ TransUnion/XXXX  ] may result in an incomplete and inaccurate portrayal of my credit file. 2. Delayed or Untimely Reporting : The account shows a Last Reported date of XX/XX/year>, which is nearly a month after the Date of Last Payment ( XX/XX/year> ). This raises concerns about whether the account information is being updated promptly and accurately. FCRA Violation : FCRA 1681s-2 ( a ) ( 2 ) requires furnishers to provide accurate and timely updates to all credit bureaus. 3. Incomplete Account Comments or Notes : The Comments section is blank, with no notation of whether this account was previously disputed or resolved. If there were any prior disputes, the lack of notation violates FCRA requirements to reflect disputes accurately. FCRA Violation : FCRA 1681s-2 ( a ) ( 3 ) requires that disputes and resolutions be reported to the credit bureaus clearly and promptly. 4. Impact of Selective Reporting : This account is only reported to XXXX, and its absence from [ TransUnion/XXXX  XXXX could cause creditors to view an incomplete credit profile. This unfairly penalizes me and diminishes the integrity of my credit report.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello and good day, Im reaching out with deep concern about the inaccurate information showing on my credit report. This situation has become increasingly troubling, as its directly affecting my financial stability and limiting my ability to move forward with important financial goals. Due to these errors, Ive faced multiple credit application rejections, which has been not only frustrating but also incredibly stressful. These inaccuracies are unfairly holding me back and impacting my life in ways that shouldnt happen to anyone who strives to maintain financial responsibility.

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 2024-11-27 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: MA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-11-27 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: FL

Complaint narrative:
I am a victim of identity theft and had fraudulent a inquiriy made to my credit. I've already filed a FTC report and contacted Transunion and sent in proof and they refused to remove these inquiry. They are breaking the credit law! Please have these inquiries removed immediately! Inquiry listed below : 1 ) JXXXX 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 2024-11-27 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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
I am writing to formally notify you that I am a victim of identity theft due to a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit report without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Accounts to be Blocked and Deleted : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft due to a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit report without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Accounts to be Blocked and Deleted : 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 XXXXXX/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 explanation
Consumer complaint received 2024-11-27 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-11-27 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
Hello! 
I opened my complaint ( about Transunion ) XXXX I got responce XX/XX/year> : After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. Based on your request, we sent you a letter to inform you we were unable to locate a credit report for you and included a list of acceptable documentation and instructions on where to send them if you would like for us to re-check our records. 

I don't get any letter from you and how can i provide you more information about my injure? 
What is my next step to solve my issue?

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 2024-11-27 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: VA

Complaint narrative:
I had a credit card with XXXX XXXX which I admit charged off. The debt was sold to Jefferson Capital Systems XXXX. Today I received a copy of the garnishment summons on my door that says that I owe XXXX. The problem is that this company has never sent me anything by XXXX mail, never called and I was never notified of the court date of XX/XX/year> and supposedly this is when the judgement was entered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-11-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Happy Money, Inc.
State: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX and XXXX XXXX XXXX XXXX for violating Section XXXX ( f ) of the Fair Credit Reporting Act ( FCRA ), which explicitly prohibits the sale or transfer of a debt that results from identity theft once the creditor or debt collector is notified of the fraud. 
On XX/XX/XXXX, I notified XXXX XXXX  and its servicer, XXXX XXXX XXXX, that the debt associated with Loan ID XXXX was fraudulent and the result of identity theft. I provided all required documentation, including [ state whether you sent a police report, FTC identity theft affidavit, or other supporting documents ]. Despite being informed, XXXX XXXX transferred and sold this debt to XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$16000.00}. 
This sale directly violates Section XXXX ( f ) of the FCRA and has further impacted me by potentially damaging my credit report and subjecting me to harassment by XXXX XXXX XXXX XXXX for a debt I do not owe. 
Thank you for your attention to this matter. 
Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the debt collection practices of [ Debt Collector 's Name or Company ]. I believe that the actions of this debt collector violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws, and I am requesting your assistance in resolving this matter. 

The following is a summary of the situation : Debt Collector Information : PORTFOLIO RECOVERY ASSOCIATES RESURGENT RECEIVABLES LLC Details of the Violation ( XXXX ) : [ Provide a detailed description of the debt collection practices you are disputing. Examples include harassment, calling outside of allowed hours, failure to validate the debt, misrepresentation, threats, etc. ] Requested Action : I respectfully request that the CFPB assist in enforcing a cease and desist order against the debt collector to prevent further harassment and illegal practices. I would also appreciate any guidance on how to ensure that my rights under the FDCPA are fully protected. 

Supporting Documentation : Enclosed/Attached are copies of any relevant documents, such as correspondence from the debt collector, proof of the debt, or records of telephone calls that support my claims. 

Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. I appreciate your attention to this serious matter and look forward to your prompt response. 

Thank you for your time and assistance. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to XXXX XXXX, I request their removal within 15 days. I have attached relevant documents for your review and reference.

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 2024-11-27 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief