vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: NY

Complaint narrative:
I have XXXX XXXX  account in my credit report XXXX XXXX XXXXXXXX which has more then 5 years since it was closed, as XXXX XXXX XXXXXXXX resident the fact that account still in my credit report are violation of my rights, since The XXXX state law ( 380-J ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ; ) .That 's mean that account is violated my rights to be on 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 2024-12-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Date of Birth Names : XXXX XXXX XXXX, Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone numbers : No Data Supplied Employment 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 I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ). Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: VA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

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 2024-12-03 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:
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 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 2024-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
My loans are currently in Forbearance and held by Aidvantage. They are not meant to be accruing interest due to being in forebearance while the SAVE plan moves through court, but interest has been accruing despite this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
The company simply sent a copy of my Note, Trust and Security Deed and some of their accounting documents which does not show Servicer Transfer Notices ( RESPA Compliance ). It also appears that based on the amount of my mortgage after 21 years, the servicer has been unjustly enriched at my expense. I also requested a transaction history from prior servicers and have not received those records either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-12-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint regarding multiple inaccurate inquiries that Experian is reporting on my credit report. These inquiries are not authorized by me, nor are they associated with any of my current accounts. Their presence on my credit report is negatively impacting my creditworthiness. Despite my efforts to resolve this matter directly with Experian, the inaccurate inquiries remain on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are required to ensure that only permissible inquiries appear on credit reports. Permissible purposes for inquiries include instances where I have applied for credit, employment, insurance, or explicitly consented to the inquiry. The inquiries in question do not meet these criteria, and their inclusion on my credit report constitutes a violation of the FCRA.

Additionally, under FCRA Section 1681i, Experian is obligated to investigate and correct inaccuracies on consumer reports. I have disputed the unauthorized inquiries multiple times, but no corrective action has been taken. This failure further violates Experians legal obligation to ensure the accuracy of the information it reports. 

The presence of these unauthorized inquiries, which are unrelated to any of my existing accounts, creates an inaccurate and misleading impression of my financial behavior. Excessive and unauthorized inquiries can unfairly lower credit scores, causing undue harm to my credit profile and financial standing.

Resolution Requested : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Experians failure to address my disputes regarding unauthorized inquiries.

I seek the immediate removal of all unauthorized and inaccurate inquiries, particularly those not associated with any of my current accounts, to comply with FCRA requirements.

I request a formal response from Experian explaining the actions taken to address this matter and ensuring the prevention of similar issues in the future.

Experians failure to investigate and correct these inaccuracies undermines the integrity of the credit reporting system and violates federal consumer protection laws. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orion Capital Solutions LLC
State: MI

Complaint narrative:
This company called & left a voicemail on XX/XX/year> at XXXXXXXX XXXX wanting to verify my location. A couple hours later they called my spouse & spoke with them, claiming I allegedly owe upwards of {$6.00} grand & that it needed to be paid by XXXX that evening. The same evening I searched the phone number, went to their website & emailed them on XX/XX/year> at XXXXXXXX XXXX with the email address specifically provided by them under their " contact " information. I requested a letter providing debt verification, a cease & desist letter & a debt sales declaration as well. 
I have no heard from then since up until today on XX/XX/year> at XXXXXXXX XXXX when they've left me yet another voice mail wanting to know my location. I do not know these people & do not feel I should verify my location when they have alleged that I owe a debt I have no knowledge of, & therefore I asked for verification & no longer wanted to be contacted by phone. Cease & desist means to stop calling. Not ignore it & call anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: SC

Complaint narrative:
I am disputing the inaccurate information reported on my credit report by XXXX with the account number XXXX. This account is listed as " Account charged off with {$150.00} written off and {$150.00} past due. '' I request the immediate investigation and deletion of this account from my credit report based on the following reasons : 1. **IRS Violations ( 1099-C Cancellation of Debt ) : According to IRS regulations, specifically 26 CFR 1.6050P-1, creditors are required to issue a 1099-C form when a debt of {$600.00} or more is canceled. Although the amount written off in this case is {$150.00}, reporting this as a charge-off without proper documentation and not issuing a 1099-C form raises concerns about compliance with IRS regulations.

2. **Fair Credit Reporting Act ( FCRA ) Violations** : Under the FCRA, 15 U.S.C. 1681s-2, furnishers of information to credit reporting agencies are required to report accurate information. The reporting of this account as a charge-off is misleading and inaccurate. Additionally, under 15 U.S.C. 1681i, the FCRA mandates that any information that can not be verified must be deleted from the credit report.

3. **Fair Debt Collection Practices Act ( FDCPA ) Violations** : The FDCPA, 15 U.S.C. 1692e, prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Reporting a settled account as a charge-off without proper evidence and accurate information constitutes a violation of the FDCPA.

4. **Failure to Update Account Status** : The account status was last updated in XX/XX/year>, and it is marked as " Account charged off. '' However, the payment history shows multiple charge-offs and past due statuses, which is inconsistent and inaccurate. This discrepancy violates the FCRA 's requirement for accurate and up-to-date reporting. 

Remedies for Willful Non-Compliance : Under the FCRA, 15 U.S.C. 1681n, willful non-compliance with credit reporting laws can result in liability for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. Additionally, the law provides for the recovery of costs and attorneys fees incurred as a result of the violation. I am prepared to pursue all available legal remedies should you fail to correct this inaccuracy and comply with applicable laws. 

I request that you investigate this matter and delete the inaccurate information from my credit report. Please provide me with written confirmation of the deletion once the investigation is complete. If you require any additional information or documentation, please contact me at the address or phone number listed above.

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 2024-12-02 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: TN

Complaint narrative:
Disputed Information : Balance : {$2800.00} ( unverified ).

Account Status : Open ( requires validation ).

Account Type : Derogatory.

Remarks : " Account information disputed by consumer, meets FCRA requirements '' needs further investigation. 
XXXX XXXX : XXXX XXXX XXXX requires validation of transfer of debt ownership. 
Dispute Codes 103 : Claims inaccurate information account balance.

113 : Claims inaccurate information account status.

301 : Consumer states inaccurate information.

208 : Disputes other information. 
XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes ; investigation in progress. 
Reason for Dispute The information reported by XXXXXXXX XXXX XXXX XXXX is inaccurate or unverifiable, as outlined below : Balance of {$2800.00} : I dispute the balance and request validation, including : An itemized breakdown of the debt. 
Evidence supporting the total amount owed. 
Account Status and Type : The account is marked as " Open '' and " Derogatory, '' but no details have been provided to verify this status.

Original Creditor : The original creditor is listed as " XXXXXXXX XXXX XXXX '' I request : Proof of the transfer or assignment of the debt to XXXXXXXX XXXX XXXX  XXXX. 
The original signed contract establishing this debt. 
Remarks : The remark " Account information disputed by consumer, meets FCRA requirements '' needs further investigation and supporting documentation. 

Requested Actions Validate the debt and provide documentation, including : Original creditor agreement. 
Proof of debt ownership transfer to XXXXXXXX XXXX XXXXXXXX XXXX. 
Detailed payment history and itemized balance breakdown. 
If the debt can not be verified, remove this account from my credit report under the Fair Credit Reporting Act ( FCRA ). 

Correct any inaccuracies in the balance, account status, or remarks.

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 2024-12-02 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: AZ

Complaint narrative:
In accordance with the Fair Credit Recording Act XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXXcct # XXXX has Violated my rights XXXX XXXX XXXX XXXX. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: LA

Complaint narrative:
This letter serves as a formal and urgent demand for the removal of inaccurate and unverifiable information from my credit report. I have identified several errors related to accounts that have been charged off and/or display late payments on accounts already charged off. These inaccuracies are damaging, unwarranted, and in violation of the Fair Credit Reporting Act ( FCRA ). 

The following accounts must be investigated and corrected without delay :XX/XX/XXXX XXXX {$200.00} ) I demand immediate removal of these items. The inclusion of inaccurate or unverifiable information is unacceptable. I remind you that under the FCRA, you are legally obligated to report only data that can be fully substantiated and validated. Should this information remain on my report, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. 

If the information can not be verified as 100 % accurate and complete, I demand its immediate removal from my credit report. Failure to comply with this request in a timely manner will leave me no choice but to pursue legal action for violations of my rights under the FCRA. 

I expect a written response confirming the deletion of these inaccuracies within 30 days of your receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Entered into agreement for bill consolidation with XXXX XXXXXXXX XXXX who was paying monthly agreed payment. to One main. I have been threatened to be taken to court and they would foreclosure my house I was told this by One main employee. My income has changed, since covid they have been unwilling to work with me on agreeable payment. They have been receiving payments monthly. The company manager and employees are rude and unwilling to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: VA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-02 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: VA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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