vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: AR

Complaint narrative:
XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the unauthorized sale and reporting of the XXXX XXXX XXXX account ( # XXXX ) on my Equifax credit report. This account was sold to a third party without my consent, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account from my credit report and seek an investigation into this unauthorized action. 

Issues Identified XXXX. Unauthorized Sale of Account : The XXXX XXXX XXXX account has been sold to a third party without my knowledge or consent. This unauthorized action is a breach of my privacy and violates my rights as a consumer. 
XXXX. Inaccurate Reporting : The account continues to appear on my Equifax credit report despite the unauthorized sale, contributing to inaccuracies and potential harm to my credit profile. 

Violations and Impact The unauthorized sale of my account and the continued reporting of this account without my consent violate the FCRA and my privacy rights. This action has caused undue stress and potential harm to my creditworthiness, as it involves the unauthorized handling and dissemination of my personal financial information.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The unauthorized sale and reporting of the account without consent violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
XXXX. Right to Privacy : The unauthorized sale of my account without my consent is a direct violation of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure or dissemination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
The List of inquires below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Unauthorized hard inquiries hit my credit that I do not recognized

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 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: NY

Complaint narrative:
I send a certify mail return recipt validation request to Capital management services LP on XXXX XX/XX/year> to validate a debt, company above instead send me a copy and itemized list for what they said I own, I requested in writing on detail by law the right to request this documents, they fail to provide all the information requested, the company does not take this actions seriously and avoid presenting legitimate original singed contract of the agreement with my handwriting signature agree to pay, they do not provide any documents relating my self of being in contract with capital management services LP The erroneous information have impact my ability to get my credit and is causing me financial damages that I intent to remedy by law with monetary penalties if they keep reporting false information in my credit history second request being send to provided properly documentation

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 2024-08-06 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was denied credit to purchase a vehicle by USAA Bank. 15 usc 1691 says I can't be denied credit due to a credit report, credit score, credit history, or income. Withholding my access to my securities is securities fraud. This violates the equal credit protection act 12 CFR 1002.4. A creditor can't discriminate or deny you credit. USAA have an F rating in dealing with melanated ppl in the past. They also have a failing grade from a Bank Regulator over evidence of discriminatory or other illegal credit practices XXXX  In 2022 USAA was fined {$140.00} XXXX dollars by the Office of Comptroller of currency OCC and financial crimes enforcement network FinCen. For failing to comply with bank secrecy anti money laundering. They keep all nine digits of my ssn on file. Violating Title 31 money and finance Treasury must collect all 9 digits of the ssn - purpose related to cyber security laws. 15 usc 1691 and 12 CFR 1002 says an adverse action in

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 2024-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I called Carrington Mortgage because I received an escrow analysis letter that detailed my escrow account having a surplus of {$510.00}. My two questions and concerns to Carrington Mortgage Company were if my new mortgage payment effective XX/XX/year> will be {$2700.00} and my current mortgage payment is XXXX which is an increase of XXXX a month for 12 months for a total increase of {$2200.00}. The increase is due to the current escrow payment of XXXX not being enough to cover the increase in my property taxes to {$14000.00}, home owners insurance to {$2700.00} and FHA insurance is {$2100.00} for a total escrow of {$19000.00}. This total {$19000.00} divided by 12 months is an increase to the new escrow payment to {$1600.00}. The increases has created a shortage in my escrow account. My question was why haven't I been given the option to pay the shortage in full {$2200.00} instead of the increased mortgage payment over 12 months. Carrington Mortgage answer from XXXX the customer service agent and XXXX the escalation manager was I didn't have a shortage. My second question is why couldn't my XXXX surplus be applied to the increase in escrow payment thus lowering my overall mortgage payment. XXXX and XXXX answer was I don't have an escrow shortage. Today 's date is XXXX and my call to XXXX Mortgage was at XXXX XXXX XXXX XXXX XXXX This information provided justifies an escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc.
State: OH

Complaint narrative:
The account in question was at an old address that I hadn't resided at for over a year. The final payment was remitted on XX/XX/2024, in the amount of {$97.00}, and then subsequently closed. The payment was returned due to XXXX own clerical error. They have then chosen to send the final payment in a higher amount than owed, misrepresenting debt owed, to debt collection. I have not received a single written request for this payment, nor is it the correct amount. I refuse to pay them arbitrary extra funds just because they made a mistake on collecting the appropriate money. It is NOT my concern that they have poorly managed technical systems and payments were mishandled.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: VANDERBILT MORTGAGE & FINANCE, INC
State: MS

Complaint narrative:
For the last at least 6 month this company has reported my account 30 to 60 days late when it's not. If my payment is due on the first of the XXXX of the month and its late after the XXXX of each month that's not 30 or 60 days late. They report when they want to the XXXX or XXXX of each month and its affecting my credit I've emailed and I've called and all I get is a dispute it with the credit bureau from them

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 2024-08-06 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: TX

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from 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 non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from 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 2024-08-06 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: AL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-08-06 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: MS

Complaint narrative:
Personal Statement inquiry details with dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: CO

Complaint narrative:
RE : Acct # XXXX, Amount in Dispute : {$15000.00} Debt Validation Letter XXXX XXXX REQUEST FOR DEBT VERIFICATION From XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom This May Concern, I, XXXX XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt. Charge off 's 15 U.S code 1601 prior complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: AZ

Complaint narrative:
My co-signed loan with Climb LLC, was charged off in XX/XX/2024, they would not give me any information on the transferring company, the refused to actually send documents and make statements on the phone that the documents come Via the mail or your email, and after 30 days there is not One single letter from XXXX XXXX XXXX  or Climb LLC with requested information. I continuously speak to supervisors, and they are not supportive, they make statements that I will be reached out to shortly, but no one XXXX is, or calls back about the charged off loan. 
Now XX/XX/2024, they have reopened the loan without consent, without approval, and made a statement that it will be back in my credit after the next billing cycle. 
Climb LLC, charged off, AND Closed the account for this loan, but opened the account and loan up again after roughly 60 days. Without consent or communication with me, or the main borrower

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief