vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this complaint for the company PORTFOLIO RECOVERY ASSOCIATES located at address XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX knowingly reporting inaccurate data. XXXX XXXX credit report is negatively affected by these penalties, this looks SUSPICIOUS AND VERY DECEPTIVE. I Demand proof TO SEE VALID AUTHORIZATION and Proof of the Alleged debt of PORTFOLIO RECOVERY ASSOCIATES. Reporting without verification and proper disclosure requirements are in direct violation of the Consumer Rights FRCA Section 623, Section 611, and Section 605b of the FCRA. FTC 809, FTC 806, FTC 809, FTC 812 and 15 U.S.Code 6802. I XXXX XXXX legally requested a description of all the details of the verification process used for the validity of this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these Federal Regulations by the FTC U.S. C41, et esq I AM MAINTAINING A CAREFUL RECORD ALL COMMUNICATION WITH YOUR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Spring Equity LLC
State: CA

Complaint narrative:
XX/XX/year>2024 was the initial application for an equity loan thru spring equity mortgage XXXX XXXX XXXX XXXX XXXX. pa. XXXX XXXX. 
8ms later no approval has been made consistent running around by this company and its loan officers. I have all emails and also email that requested for me to pay over {$3000.00} to credit cards to been amount lower and to improve credit score. I did this and still no approval for loan was told underwriter wants this done that done constant request for documents of sensitive personal info and still never received recieved approval of loan. left numerous messages with phones spoke to over 5 loans officers I have there names and emails. I requested to speak to supervisor and supervisor never responded back to me. Because of my lack of knowledge of how the process works and my last name of being XXXX origin i feel this treatment was influence by this and asking for supervisors and told them I was dissatisfied with how this has taken over 8ms and still no letter of denial or approval just constant request of documents and salary information.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Data Mortgage Inc.
State: TX

Complaint narrative:
We are doing everything we can to avoid foreclosure. We have already sent requests to postpone foreclosure so as to do a short sale. We have already sent in all the required documents. The foreclosure date is still set for XX/XX/year> and in order to complete a short sale we will need a post pone. We have completed a face to face call with XXXX over at Essex mortgage to put in the request for short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: CO

Complaint narrative:
Hi. The inquiries that include XXXX XXXX XXXX and XXXX XXXX  are unrecognized hard inquiries that dated back months ago in which I have not seen until now. I am unsure as to who is using my identity to acquire credit information or loans, however these are not inquiries that I have made. Equifax has inaccurately reported false information in regards to my credit report and has requested for sensitive information that had put my information severely at risk and so I request that this solution be resolved urgently as this has been ongoing for months and that my credit report must accurately reflect my real credit activity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: CO

Complaint narrative:
Hi. The inquiries that include XXXX XXXX XXXX and XXXX XXXX are unrecognized hard inquiries that dated back months ago in which I have not seen until now. I am unsure as to who is using my identity to acquire credit information or loans, however these are not inquiries that I have made. XXXX has inaccurately reported false information in regards to my credit report and has requested for sensitive information that had put my information severely at risk and so I request that this solution be resolved urgently as this has been ongoing for months and that my credit report must accurately reflect my real credit activity. Thank 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-11-04 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: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX we submitted a short sale to be reviewed by Fay Servicing. The application submitted included a Request for Mortgage Assistance form which outlined my goals to sell the property to a purchaser who offered to by my home ALL CASH. Fay refused to review this short sale application. XXXX at Fay informed me on XX/XX/year> that Fay refused to review this case as it was inside of a XXXX window before a sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the absence of my FICO Score on my recent Equifax credit report. I obtained this report on XX/XX/year> through XXXX XXXX and to my surprise, the FICO Score was not included, despite it being a critical part of my credit profile. 

The FICO Score is essential for me to accurately assess my credit standing, especially for managing financial decisions and ensuring that my credit report reflects my current status accurately. Not having this score displayed puts me at a disadvantage, as I can not track my credit progress or detect any potential issues promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have been receiving text messages from a company called XXXX Outsourcing, and Jefferson Capital Systems XXXX, both claiming to be collecting a debt owed to XXXX. Funny thing is that I have never had a XXXX account. Even the text messages are being sent to a phone number under a different telecom. XXXX of the text also identifies me as XXXX, which is not my name. The text messages have been received on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. They needs to stop and they need to understand that the number is not a XXXX number, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: AZ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR.

PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is new information and a new complaint NOT the same as previous complaint. The mortgage for XXXX XXXX was through XXXX XXXX XXXX, which was bought by Wells Fargo. We have been in contact with Wells Fargo and they said they can't find the mortgage. Both XXXX XXXX XXXX and XXXX XXXX  have notified us that Wells Fargo is the responsible party, despite their statement they don't have the mortgage. They are the interest as successor. XXXX XXXX XXXX was acquired by XXXX XXXX in XXXX and ceased operations in XXXX. XXXX XXXX and Wachovia Bank merged in XXXX and became Wachovia XXXX Wells Fargo acquired Wachovia 's consumer banking and mortgage business in XXXX and XXXX. Because of this, Wells Fargo must be the banking institute to give us the mortgage satisfaction and they refuse to acknowledge it.

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 2024-11-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This company is reporting an account that is charged off on my credit report but they have not sent me a 1099C. According to federal law they were to furnish a 1099C once they charged off the account but I have not received a 1099C. If I dont receive a 1099C within 15 days, I will be filing a 3949A with the IRS as this is considered tax fraud since I have not received a 1099C.

I demand that Navy Federal Credit Union furnish a 1099C and send a copy of the form to me OR remove the account from my credit report along with all other information related to it.

If do not receive my copy of the 1099C within 15 days I will be filing a 3949A with the IRS, as that is considered tax fraud.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 ( a ) ), consumer reporting agencies must uphold their serious responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and XXXX, as consumer reporting agencies, are required to adhere to these standards, while I, as the consumer, have the right to protect my private information. 

Under 15 U.S.C. 6801, Congress establishes that financial institutions have a continuous duty to respect customer privacy and safeguard the security and confidentiality of nonpublic personal information. Navy Federal Credit Union qualifies as a financial institution under this definition.

Further, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) dictates that consumer reporting agencies may only provide consumer reports when they have received the consumer 's explicit written consent. I did not grant such consent to XXXX, XXXX, or Navy Federal Credit Union. Any prior consent, whether verbal, implied, or written, is hereby revoked. 

Additionally, per 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to unaffiliated third parties unless the consumer is informed of their right to opt-out of such disclosures. I was never notified of this right, violating these regulations.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits any entity from furnishing inaccurate information to consumer reporting agencies if they know or have reasonable cause to believe it is incorrect. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies must maintain reasonable procedures to prevent violations of 1681c and to limit the furnishing of reports to those permissible under 1681b. XXXX and XXXX have failed to uphold these standards. 

Lastly, 12 CFR 1016.7 affirms that a consumer retains the right to opt-out at any time. I am formally exercising my right to opt-out of your reporting services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
I am resubmitting a formal complaint to TRANSUNION regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.

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 2024-11-04 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: NJ

Complaint narrative:
I am writing to formally notify you of fraudulent accounts that have appeared on my credit report due to a data breach that compromised my personal information. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the accounts listed below.

Fraudulent Accounts XXXX. XXXX o Account ID : XXXX o Date Opened : XX/XX/year> o Amount : {$270.00} XXXX. XXXX XXXX o Account ID : XXXX o Date Opened : XX/XX/year> o Amount : {$2600.00}

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 2024-11-04 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 found out that i was a victim of identity theft in XXXX, ive been working with the bureaus but they have not been very helpfull. I have tried to remove this fraudulent account but it hasnt worked. I finally contacted lexis nexus directly and they agreed to delete the bankruptcy.

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 2024-11-04 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: FL

Complaint narrative:
I found out that i was a victim of identity theft in XXXX, ive been working with the bureaus but they have not been very helpfull. I have tried to remove this fraudulent account but it hasnt worked. I finally contacted XXXX XXXX directly and they agreed to delete the bankruptcy.

Company response to consumer: Closed with explanation