vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX my rights. 

15 U.S.C 1681 section 602A. States I have the 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Per the Fare Dept Collection Act the lender must provide notice of past due before posting to your credit report. The loan was shown 30 days late for XXXX of XXXX Per XXXX at TD Finance the only letter I was sent was on XX/XX/2023 letting me know the account was going to be 60 days late which I received. I even had XXXX XXXX XXXX  pull my phone records to prove I was not contacted. XXXX told me they didnt have to notify me, and even gave me a wrong email address. Per the law I can record a conversation I am part of. I was handling another complaint I filed that they posted the payment 3 times to the wrong checking account. She refused to acknowledge what I told her, and when she found out I was recording the conversation for legal use she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address a concerning issue regarding the inaccurate reporting of bankruptcy information by XXXX, which has been disseminated to other credit reporting agencies, including TransUnion, XXXX, and XXXX. This matter raises significant concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and related laws and codes. 

As per 15 U.S. Code 1681e, consumer reporting agencies such as XXXX are required to establish and comply with reasonable procedures to ensure that consumer reports are furnished only for permissible purposes under section 1681b of the FCRA. This includes verifying the identity and intended use of any party seeking consumer reports before providing them. Additionally, consumer reporting agencies must make reasonable efforts to verify the identifications and certifications of purchasers before reselling consumer reports. 

Given these legal obligations, I am deeply concerned that the dissemination of the erroneous bankruptcy information to other credit reporting agencies violates the FCRA and other relevant laws. The inaccurate reporting of this information not only damages my creditworthiness but also undermines the integrity of the consumer reporting system as a whole. 

Furthermore, 15 U.S. Code 1681e ( 3 ) stipulates that a person who procures a consumer report for resale shall not disclose the identity of the end-user of the report if the end user is a federal agency or department procuring the report for specific purposes, such as determining eligibility for access to classified information. This provision underscores the importance of protecting sensitive information and ensuring compliance with federal regulations. 

Therefore, I demand that XXXX take immediate action to rectify this situation by removing the erroneous bankruptcy entry from my credit report and ceasing the dissemination of this inaccurate information to other credit reporting agencies. Also that this information be removed from TRANSUNION, XXXX, and XXXX. Failure to comply with these legal obligations will leave me with no choice but to pursue legal remedies to address this matter. 

Thank you for your prompt attention to this issue. I expect a timely response confirming the corrective actions taken.

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 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Yes, good evening my name is XXXX XXXX I have with Phh mortgage company, I was approved for a loan modification only to find out I have been SCAMMED.XXXX dollars which was the new modification from XXXX to XXXX of XXXX so if I can get some help I would appreciate it Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After reviewing my credit report I noticed a fraudulent account on my credit report per following XXXX Credit Report As of : XXXX XXXX XXXX XXXX Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX 47 % {$470.00} XXXX Credit Report As of : XXXX XXXX XXXX XXXX Revolving XX/XX/XXXX Closed Charge-off XX/XX/XXXX 47 % {$470.00} XX/XX/XXXX, TransUnion Credit Report As of : XXXX XXXX XXXX Revolving account XX/XX/XXXX Closed Charged off as bad debt XX/XX/XXXX 47 % {$470.00}

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
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After reviewing my credit report I noticed a fraudulent account on my credit report per following XXXX Credit Report As of : XXXX XXXX XXXX XXXX Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX 47 % {$470.00} Equifax Credit Report As of : XXXX XXXX XXXX XXXX Revolving XX/XX/XXXX Closed Charge-off XX/XX/XXXX 47 % {$470.00} XX/XX/XXXX, XXXX Credit Report As of : XXXX XXXX XXXX Revolving account XX/XX/XXXX Closed Charged off as bad debt XX/XX/XXXX 47 % {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Balance reverse from Bank of America checking account XXXX XXXX XX/XX/XXXX 2 times 2.XXXX  XXXX XXXX XXXX two times XXXX XX/XX/XXXX overcharge 3.unknown charge anything after XXXX XX/XX/XXXX anything it said agent assisted payment i dont recognize the amount XXXX XXXX XXXX cash XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX agent assisted XXXX dollar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX dollar agent assisted Credit card end XXXX and XXXX have a lot issues .all cash advance fee charge more than 2 year am not sure but few here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Theres transactions said XXXX  sch payment not recognized XXXX XXXX XXXX dollar card XXXX and XXXX XXXX XXXX XXXX XXXX XXXX card XXXX 3.double charge aldezz XXXX XXXX XXXX bank charge overdraft fee over charge bank XXXX XX/XX/XXXX = {$34.00} 6 times charge but refund and reverse back and refund again back and forth 2.Busines account take money XXXX dollar deposit on checking account reverse and return back money to business account XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX from business to checking = {$50.00}, {$100.00}, {$100.00} and XXXX XX/XX/XXXX = {$100.00}, {$200.00} XXXX XX/XX/XXXX from checking to Busines account XXXX XXXX Business account monthly fee over charge XXXX two times reverse and return back the money to bank XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX & XX/XX/XXXX transfer from Busines to checking account 2 times XXXX and XXXX XXXX XXXX XX/XX/XXXX = {$50.00} XXXX. XXXX 2 times charge {$500.00} and XXXX XXXX XX/XX/XXXX = from Busines to checking {$70.00}, {$150.00}, {$400.00} XX/XX/XXXX and XX/XX/XXXX {$200.00}, {$50.00}, {$100.00}

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 monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my extreme frustration regarding the repeated inaccurate reporting of the " XXXX XXXX '' [ Account Number : XXXX ] account on my credit report by Experian. Despite my previous three dispute requests, Experian has continuously verified this account as " Accurate '' without providing documented proof of late payments as requested. 

I am deeply concerned about the disregard for the Fair Credit Reporting Act ( FCRA ) and the lack of adherence to fair and accurate reporting practices. It is evident that Experian 's handling of my dispute does not align with the standards set forth by the FCRA, which mandates that consumers have the right to challenge and VERIFY the accuracy of information on their credit reports. 

I must highlight the discrepancies regarding the " Last Activity '' dates associated with the " XXXX XXXX '' account across all three credit bureaus. Each bureau displays a different " Last activity '' date, which raises serious questions about the accuracy and consistency of the information being reported. 

Furthermore, it has come to my attention that while XXXX XXXX has reported one 30-day late payment to XXXX and Experian, it has reported to XXXX that I have NO late payments. This inconsistency in reporting violates the Fair Credit Reporting Act ( FCRA ( rules, which require accurate and consistent reporting across all credit bureaus. 

Given the seriousness of this matter, I demand an immediate escalation for a thorough investigation into the inaccuracies associated with the " XXXX XXXX '' account. I expect Experian to conduct a diligent and comprehensive review, including providing documented proof of any late payments associated with this account. 

Failure to address this issue promptly and appropriately will leave me no choice but to escalate my complaint to seek legal recourse for violations of my rights under the FCRA. 

I urge Experian to take swift action to rectify this situation and ensure that accurate and fair reporting practices are upheld.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a company seeking money from me, we never agreed in no such contract there are sharing my personal information on different platforms without consent. I told the company that I will conditionally expect your offer upon proof of claim that if you can provide the original charging instrument for this account. Pursuant to the Uniform Commercial Code you must be holder and due course of the original charging instrument otherwise you may not make the presentment. If you you provide the original charging instrument I will gladly pay the said amount also I conditionally expect your offer upon proof of claim if you provide the XXXX OID that shows who the recipient of said funds. If this company can not provide this information its identity theft and must be removed off my credit report immediately and the cost of the violation XXXX XXXX dollars per penalty

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, an XXXX XXXX XXXX XXXX XXXX helped me contact the company that attached a negative collection debt on my credit report. I thought this was a fraudulent act initially. However, when Pacific Credit Service was reached by phone, I found out this collection was for a medical claim from XXXX XXXX XXXX that should have been paid by my medical insurance company, XXXX XXXX. The Pacific Credit Service representative, XXXX, stated the bill was mailed back in XX/XX/XXXX from the XXXX  department to my address WITHOUT my unit number, as it was unknown. Moreover, Pacific Credit Service also claims they mailed a collection notice with the incorrect mailing information sometime in XX/XX/XXXX. I never received either invoices, nor did either entity have my medical insurance information. On XX/XX/XXXX, I also provided my medical record number and correct mailing address. Pacific Credit Service was going to mail XXXX XXXX Claims Dept. the bill, as I provided the mailing address. I was hospitalized from XX/XX/XXXX to XX/XX/XXXX, at XXXX XXXX XXXX and was admitted as an XXXX  XXXX XXXX. When I finally had the mental capacity to provide some ( not all ) personal information, my family was notified XXXX days later and they provided some insurance information, such as the insurance company and my name. Upon my release, my insurance company ( XXXX XXXX ) was sent multiple bills from XXXX XXXX XXXX. The bills that were submitted correctly were paid. XXXX XXXX claims department stated my hospital bills are paid in full. There is no record of a bill from the XXXX department, and XXXX XXXX Department stated today, XX/XX/XXXX, that the provider only has 180 days from date of service to submit a claim. Because this claim is outside the time for reimbursement, XXXX will deny this claim if it is submitted again. There were paid claims from physicians, which could be from XXXX. Unfortunately, because I have no record of this invoice, I can not determine if this claim was part of the payments made by XXXX to XXXX XXXX. XXXX suggested that I contest this {$1900.00} collection plus interest, as I am not responsible for any hospital payment ; I am covered 100 % by my medical insurance provider, as you will find {$0.00} as my share of the bill. XXXX XXXX payments will be attached to this complaint. Finally, I tried to contact XXXX XXXX billing department today, XX/XX/XXXX ; however, no records of a claim were found. In fact, the hospital representative could not find me in their system. She provided another number to call, but they could not find me either, as they changed systems back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
I am in the process of closing on a loan assumption. The closing documents that were sent to me and the buyer is incorrect. The balance of the loan as well as fees related to closing is incorrect. I have reached out numerous amount of times in hope of getting this issue resolved so that we can close on the loan. I have requested time and time again to get the closing documents updated and for a Supervisor to call me for almost two weeks now and no one has returned my calls or my emails requesting such. My phone call and email request are not being returned. I was told that the closing disclosure was drafted at the time of the assumption which was 5 months ago and is unnecessary to update due to causing a delay in closing. This is unacceptable. The balance has decrease sufficiently since then the assumption request. Please update the closing document to reflect the current state of the loan..

Company response to consumer: Closed with explanation