vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2024-02-22 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: MD

Complaint narrative:
At the end of year XXXX I did summit a dispute to reinvestigate with the XXXX credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the XXXX credit bureaus, for example on XX/XX/XXXX Transunion report XXXX XXXX, XXXX on XXXX and XXXX on time. XXXX report account on time on months XXXX, XXXX and XXXX when XXXX and Transunion reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between XXXX credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''

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 2024-02-22 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: MD

Complaint narrative:
At the end of year XXXX I did summit a dispute to reinvestigate with the XXXX credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the XXXX credit bureaus, for example on XX/XX/XXXX XXXX report XXXX XXXX, Equifax on XXXX and XXXX on time. Equifax report account on time on months XXXX, XXXX and XXXX when XXXX and XXXX reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between XXXX credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi cards XXXX XXXX South Dakota account XXXX I want the time and date the account was open the time and date the account was closed and time and dates of the XXXX late payments in writing I want to see 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 2024-02-22 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: MD

Complaint narrative:
I lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. They sent me a debt collection statement and insisted I disclose XXXX and other personal information to file a complaint. Despite my persistence, they refused to allow me to proceed without divulging this information. 

Upon reviewing the account claimed by " XXXX XXXX XXXX 's XXXX, '' I found it was not associated with me. I demanded that XXXX validate the debt, cease any collection action, notify credit reporting agencies of the erroneous debt, and refrain from further collection efforts. During my conversation with a representative from a call center in XXXX, they informed me that XXXX might respond within 90 days. 

Subsequently, I conducted online research and discovered numerous complaints against both XXXX XXXX XXXX XXXX XXXX 
and XXXX XXXX XXXX. It is evident that these companies should be held accountable to adhere to legal standards and refrain from engaging in deceptive debt collection practices or exploiting consumer information. 

I took proactive measures by sending certified letters, accompanied by a copy of my driver 's license and a utility bill, to XXXX XXXX XXXX on XXXX and XXXX. These letters were sent after I obtained a copy of my consumer report, which revealed that they were reporting a debt in my name. In these letters, I requested verification of the debt 's authenticity and urged XXXX to provide documents bearing my original signature, given my status as an identity theft victim. Despite these efforts, XXXX XXXX XXXX failed to furnish the necessary disclosures for debt verification. Meanwhile, they persisted in sending collection letters and making calls regarding a debt of which I have no knowledge.

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 2024-02-22 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: MD

Complaint narrative:
I lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. They sent me a debt collection statement and insisted I disclose XXXX and other personal information to file a complaint. Despite my persistence, they refused to allow me to proceed without divulging this information. 

Upon reviewing the account claimed by " XXXX XXXX XXXX 's XXXX, '' I found it was not associated with me. I demanded that XXXX validate the debt, cease any collection action, notify credit reporting agencies of the erroneous debt, and refrain from further collection efforts. During my conversation with a representative from a call center in XXXX, they informed me that XXXX might respond within 90 days. 

Subsequently, I conducted online research and discovered numerous complaints against both XXXX XXXX XXXX XXXX XXXX 
and XXXX XXXX XXXX. It is evident that these companies should be held accountable to adhere to legal standards and refrain from engaging in deceptive debt collection practices or exploiting consumer information. 

I took proactive measures by sending certified letters, accompanied by a copy of my driver 's license and a utility bill, to XXXX XXXX XXXX on XXXX and XXXX. These letters were sent after I obtained a copy of my consumer report, which revealed that they were reporting a debt in my name. In these letters, I requested verification of the debt 's authenticity and urged XXXX to provide documents bearing my original signature, given my status as an identity theft victim. Despite these efforts, XXXX XXXX XXXX failed to furnish the necessary disclosures for debt verification. Meanwhile, they persisted in sending collection letters and making calls regarding a debt of which I have no knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MD

Complaint narrative:
I lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. They sent me a debt collection statement and insisted I disclose XXXX and other personal information to file a complaint. Despite my persistence, they refused to allow me to proceed without divulging this information. 

Upon reviewing the account claimed by " XXXX XXXX XXXX 's XXXX, '' I found it was not associated with me. I demanded that XXXX validate the debt, cease any collection action, notify credit reporting agencies of the erroneous debt, and refrain from further collection efforts. During my conversation with a representative from a call center in XXXX, they informed me that XXXX might respond within 90 days. 

Subsequently, I conducted online research and discovered numerous complaints against both XXXX XXXX XXXX XXXX XXXX 
and XXXX XXXX XXXX. It is evident that these companies should be held accountable to adhere to legal standards and refrain from engaging in deceptive debt collection practices or exploiting consumer information. 

I took proactive measures by sending certified letters, accompanied by a copy of my driver 's license and a utility bill, to XXXX XXXX XXXX on XXXX and XXXX. These letters were sent after I obtained a copy of my consumer report, which revealed that they were reporting a debt in my name. In these letters, I requested verification of the debt 's authenticity and urged XXXX to provide documents bearing my original signature, given my status as an identity theft victim. Despite these efforts, XXXX XXXX XXXX failed to furnish the necessary disclosures for debt verification. Meanwhile, they persisted in sending collection letters and making calls regarding a debt of which I have no knowledge.

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 2024-02-22 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to DELETE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to DELETE these inaccurate accounts in my file. 
XXXXXXXX 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 2024-02-22 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: KY

Complaint narrative:
I noticed this XX/XX/year> I have items on my report that do not belong to me.

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 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I was enrolled in a six-month trial modification for my mortgage loan due to prior deferrals amid COVID-19. The terms specified timely payment within the due month. To date, I have successfully completed five payments. The process entailed scheduled monthly calls from my account manager to facilitate these payments. 

In XXXX, this call was not received, which was critical as my online payment privileges had been revoked. On XX/XX/XXXX, recognizing the oversight, I contacted XXXX to fulfill my payment obligation. Unfortunately, the automated system repeatedly errored and disconnected without processing my payment. Determined to meet my obligation, I set reminders to call the following day, XX/XX/XXXX, to ensure payment within the month. 

Despite my attempts on XX/XX/XXXX, including accommodating for Fay 's time zone difference, the system failed to process my payment, necessitating a deferred transaction date of XX/XX/XXXX. 

Upon attempting to make XXXX 's payment, I was erroneously informed of a default due to the alleged non-receipt of XXXX 's payment. In response to my clarification attempt, the representative acknowledged my efforts and admitted a system error should have allowed for a same-day transaction. Additionally, I was made aware of the transfer of my account manager, resulting in a communication gap, contradicted by phone records that I have since provided, showing no such calls were made to me. 

Efforts to resolve this included a promise by another associate to have manager XXXX XXXX review the call logs. However, despite multiple attempts to contact both my new account manager and XXXX XXXX directly, my calls were not returned. 

Subsequently, I received foreclosure documentation. My intent and efforts to comply with the payment terms have been consistent, even with the significant payment increase from {$1100.00} to {$1800.00}. The lack of detailed statements leaves ambiguity around the application of these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING INQUIRIES EXPERIAN BUSINESS CRED, 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 XXXXN ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from EXPERIAN BUSINESS CRED, 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 and CREDIT TECHIN WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

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 2024-02-22 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: GA

Complaint narrative:
I have submitted an identify theft report to equifax about some inquiries that are on my credit report and they have failed to validate who the spoke to during theyre investigation saying that those inquirs are factual according to the FCRA these inquires must be removed if stated as FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 2024-02-22 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: CarMax, Inc.
State: GA

Complaint narrative:
I have submitted an identify theft report to XXXX about some inquiries that are on my credit report and they have failed to validate who the spoke to during theyre investigation saying that those inquirs are factual according to the FCRA these inquires must be removed if stated as FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have submitted an identify theft report to XXXX about some inquiries that are on my credit report and they have failed to validate who the spoke to during theyre investigation saying that those inquirs are factual according to the FCRA these inquires must be removed if stated as FRAUD

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 2024-02-22 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: AR

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXBalance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX*Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$540.00XXXX XXXX XXXX XXXX Balance Owed : {$760.00}

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 non-monetary relief