vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-09 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: MOHELA
State: FL

Complaint narrative:
please CC all companies you are finding below THAT ARE HIGHLIGHTED. CC : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from XXXX XXXX. I am a victim of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The following accounts have violated my consumer rights : PORTFOLIO RECOV ASSOC : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. Immediate action requested, including deletion of derogatory info.

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings. 

Prompt attention and resolution expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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:
The wait is over. It's been couple of months that credit bureaus have not responded to all the letters Ive been mailing them since day one. I was expecting for them to get back with me with the reinvestigation process that I have requested but I never received any single reply from them. 

I am disputing these inaccurate accounts below and Im hoping that they would promptly delete these invalid accounts from my files. 

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 2023-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services
State: MT

Complaint narrative:
Approximately two years ago, some accounts linked to my name were reported to XXXX and XXXX. I informed both agencies that I had not received any notification from Rocky Mountain Professionals by mail about these accounts. As a result, the said accounts were subsequently removed from my credit record.Last month, I received another bill from Rocky Mountain Professionals with added accounts and detailed transactions up to XX/XX/2023. Upon contacting your office on that date, the representative I spoke with introduced herself as a debt collector and mentioned that our conversation might be recorded. When I inquired if it was indeed being recorded, she confirmed in the affirmative. I then proceeded to explain that the bills from XXXX XXXX and XXXX XXXX were disputed due to a lack of prior notice, a reason recognized and acted upon by the credit reporting agencies.I formally requested a detailed breakdown of all accounts, a request which was made XXXX days ago. However, on today 's date, XX/XX/XXXX, another representative contacted me, seeking clarification on which account breakdowns I was referring to. After I reiterated my request for a comprehensive breakdown, he informed me that I would have to wait an additional 14 days.Given that Rocky Mountain Professionals is located less than XXXX miles from my residence, and considering that I've already waited for XXXX days, I find the further delay of 14 days to be concerning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: FL

Complaint narrative:
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.

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 : It also states a consumer reporting agency can not furnish a 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 ) ( 1 ) 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.

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 2023-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
I have email proof stating that my first scheduled payment is estimated to start of XX/XX/XXXX alongside confirmations I got directly after signing up for reoccuring payments that the first payment would begin on XXXX XXXX. Now on their site, there is no record of this XX/XX/XXXX date, it only says the next payment will be processed on XXXX XXXX. It seems rather intentional to push back in order to force additional interest payments. This is seriously unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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:
I AM VICITM OF AN IDENTITY THEFT, PLEASE ACCEPT MY TRUE STATEMENT. FOR YEARS NOW I HAVE TRIED NUMEROUS TIMES TO RESOLVE THIS ISSUE WITH THE CREDIT BUREAUS AND THE ACTUAL INDIVIDUAL CREDITS, BUT SEEMS LIKE THEY ARE NOT NOT HEARING MY COMPLAINT. WHEN A THIEF STEELS YOUR INFORMATION ITS ONLY OBVIOUS THAT THEY HAVE ALL CORRECT INFORMATION THEREFORE THEY ARE ABLE TO OPEN FRAUDULENT ACCOUNTS USING THE VICTIMS INFORMATION. PLEASE NOTE THAT I AM VICTIM OF AN IDENTITY THEFT, AND SOMEONE I DON'T KNOW WHO STOLE MY INFORMATION BUT THE FACT OF THE MATTER IS THAT MY INFORMATION WAS STOLEN AND THE ACCOUNTS WERE OPENED. I THINK AT THIS POINT THE CREDIT COMPANIES WERE NOT CAREFUL ENOUGH TO SEE WHO WAS REALLY APPLYING FOR THE CREDIT. HOW IS THIS MY FAULT.

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 2023-10-09 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: GA

Complaint narrative:
I requested a copy of my credit report an identified that I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: GA

Complaint narrative:
I requested a copy of my credit report an identified that I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: NY

Complaint narrative:
The wait is over. It's been couple of months that credit bureaus have not responded to all the letters Ive been mailing them since day one. I was expecting for them to get back with me with the reinvestigation process that I have requested but I never received any single reply from them. 

I am disputing these inaccurate accounts below and Im hoping that they would promptly delete these invalid accounts from my files. 

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 2023-10-09 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: NY

Complaint narrative:
The wait is over. It's been couple of months that credit bureaus have not responded to all the letters Ive been mailing them since day one. I was expecting for them to get back with me with the reinvestigation process that I have requested but I never received any single reply from them.

I am disputing these inaccurate accounts below and Im hoping that they would promptly delete these invalid accounts from my files. 

XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: Kovo
State: NY

Complaint narrative:
KOVO INC reported on XXXX to my credit profile a sales contract of XXXX, stating this was opened on XX/XX/23. I never opened nor authorized nor signed any agreement or contract for an installment loan. I never gave nor approved anyone to issue me any credit for this amount. This company charged me an amount of XXXX to my account for payment as an initial payment towards this loan. I never gave this company my credit card or bank information for payment. I want my money refunded and this account closed without any negativity to my credit report. Please have this account closed and removed from my credit profile. 
I called this company via phone call and emailed them with no response. They refuse to answer the phone at any time of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received a letter today XX/XX/XXXX dated XX/XX/XXXX that my account had been closed. I was not aware my account had been closed. I was also advised this was a result of service fees that were being charged to my account monthly. I had a free checking account and request the fees to be waived. Additionally, I was charged {$30.00} for a returned transfer from XXXX back which was a result of XXXX Bank making an error. As seen from the attached correspondence from XXXX, this was their error and was fixed. I ask for a credit of those fees as well. Please instate account and fees. Thank you. 

The bank indicated I was refunded the fees from XXXX Bank. The fees XXXX refunded did not include these fees from XXXX as I was not aware of the impact till months later. Please see a copy of that was refunded by XXXX and for what.

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 2023-10-09 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: PA

Complaint narrative:
I observed numerous inconsistencies and inaccuracies among the XXXX consumer reporting agencies furnished reports when compared across the board. 

XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Account # : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX XXXX. XXXX XXXX Account # : XXXX ***under XXXX, XXXX shows that there's XXXX LATE PAYMENTS.

***Then under EXPERIAN XXXX it shows that there's only XXXX LATE PAYMENT. 
***Yet, under XXXX XXXX it shows that the account is aready CURRENT.

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 2023-10-09 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: PA

Complaint narrative:
I observed numerous inconsistencies and inaccuracies among the 3 consumer reporting agencies furnished reports when compared across the board. 

XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Account # : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX XXXX. XXXX XXXX Account # : XXXX ***under XXXX, XXXX shows that there's 2 LATE PAYMENTS. 
XXXXThen under EXPERIAN XXXX it shows that there's only XXXX LATE PAYMENT. 
***Yet, under XXXX XXXX it shows that the account is aready CURRENT.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX we received an Escrow statement from our mortgage company that had incorrectly calculated the property taxes for the year. The annual taxes increased from {$3100.00} to {$7200.00} ( doubled ). This caused our total mortgage payment to increase from {$1700.00} to {$2200.00}. Initially, we contacted the company via phone in XXXX of XXXX and were told a ticket had been created and the issue would be resolved in 1 month. After not hearing back for two months we contacted again via phone and were told there was no record of any conversation or ticket being created.

Next, I began a conversation in the secure message center on their website outlining the issue on XX/XX/XXXX. The first two representatives that responded did not understand the issue and were of no help. The last representative in the secure messages ( XXXX XXXX. ) appeared to understand the issue but could not make the corrections herself. A work order was submitted on XX/XX/XXXX and was due to be completed by XX/XX/XXXX. This led to another Escrow analysis being completed and our taxes were raised again, this time from {$7200.00} to {$10000.00}. This caused our total mortgage payment to increase from {$2200.00} to {$2700.00}. 

We contacted via phone again, and another Escrow analysis was completed on XX/XX/XXXX. No change was made to our taxes. 

We attempted to call one more time at the end of XX/XX/XXXX and were told a high-urgency ticket had been created and our tax line would be changed. Another Escrow analysis was completed on XX/XX/XXXX and our taxes had increased, yet again, from {$10000.00} to {$14000.00}. Our total mortgage payment increased to {$2900.00}. 

As it stands, our taxes have increased by {$11000.00} ( an increase of nearly 300 % year-over-year ) and our mortgage payment has increased from {$1700.00} to {$2900.00} ( nearly doubled ). 

Some key points, we have not missed a single mortgage payment for the entire life of our loan ( even the erroneously inflated amounts ) and no significant improvements have been made to the property that would cause the taxes to increase. 

I am attaching all of the referenced Escrow statements, the tax bill from XXXX for each parcel, the 6-year tax history for each parcel, and a mortgage statement from XX/XX/XXXX that had our correct payment amount before this debacle started. I have also attached a printout of the secure message center conversation.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I called in XXXX due to my credit score dropping XXXX points due to false reporting. I called Westlake Management and they refused to correct the issue. Once I filed the complaint they corrected it. The status was corrected for 30 days now they are back reporting late payments 5 and 6 months later and I have had a deferment since XXXX therefore should never have been reported late.

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 2023-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I would like to stop receiving emails from XXXX XXXX who does not share how they they are in conjunction with LVNV. Please provide this information and please provide verification of debt. I have received XXXX emails since XX/XX/XXXX and about XXXX since XX/XX/22. I consider this harassment as they are also using multiple XXXX to reach out such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX who are constantly spamming me. They are using multiple LLCs or names so as to cause confusion. I also did not agree for debt to be collected by either LVNV OR XXXX XXXX or anyone else. They are also constantly threatening to return debt if unresolved when in fact I did not agree to work with them.I do not appreciate the threats and that is not how to go about this. Please explain why you felt the threats were necessary. They are soliciting me for money and quoted " It is the policy of LVNV Funding LLC, the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by LVNV Funding LLC and will not affect the tradeline of the original creditor or any other third party. '' Which means I would still owe the original creditor, please explain why I would pay this yet it would not affect the original creditor who I actually owe debt to. These are bad business practices that I would not like to be involved with at all and are causing me much harm. Please explain how it is valid to do all the above. I would like to close this debt account.

Company response to consumer: Closed with explanation