vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
My Mother had her mortgage initially with XXXX XXXX, then went to XXXX and then ended up with Fay Servicing. This loan has been drug on for more than 20 years and the balance hasnt decreased at all, it actually increased. I believe she was victim to a predatory loan. Mom has passed away almost a year ago but Im still making the mortgage payments. This is my childhood home and I moved back in here XXXX. My family and I still live here, I am the successor of interest and was told to submit information to refinance the loan. I did what they asked. Now, Fay wont offer me a loan. The interest rate is very high and again, this balance is ridiculous! I dont know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified these hard inquiries that I know are inaccurate and should be removed.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I purchased tickets online from a seller using my XXXX which is connected to my Bank Of America debit card. Seller refused to give me my tickets FOR THE SAME DAY, i did my part -- spam texted and spam called the seller to send me my money back, paid online to track her down to see her name and address on verify, sent a complaint form to Pennsylvania 's Bureau of Consumer Protection as I was to identify that she resides in that state, which the agent has reached out to me that no one responds from all the mails and calls they are sending to the person 's house, email, and phone number. XX/XX/XXXX Monday I called XXXX and they informed me they can not help me with this matter, then called Bank Of America about this matter and they advised me to wait until the transaction is completely posted, then they can help me regarding this matter eventually. Later on that day the transaction was posted and I was able to file a claim on XX/XX/XXXXXXXX XXXX XXXX  my request to dispute was denied. I was out of the country for the holidays and I was only able to take care of this matter this week, called again told me to call another line, and got transferred again to a line that never picked up. Checked on reddit what I can do at this point, and now my last hope is to submit a complaint to CFPB. 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 2025-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
CCI ( Contract Callers Inc. ) is reporting and attempting to collect a debt allegedly owed to XXXX XXXX XXXX XXXX XXXX ). However, XXXX has a binding arbitration agreement in place, which requires disputes related to this account to be resolved exclusively through arbitration, not through third-party collection actions or credit reporting. 

By engaging CCI to collect and report this debt, XXXX and CCI are circumventing the agreed-upon arbitration process. This action violates the terms of the binding arbitration agreement, deprives me of my contractual rights, and subjects me to unnecessary stress, potential damage to my credit score, and unwarranted collection efforts. Additionally, CCIs reporting of this debt raises concerns about whether they have sufficient documentation or lawful authority to collect this debt under the binding arbitration terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I do not know where this account came from or who put this on my report, but it sure is certainly not mine. This is a violation of my privacy.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is my name and this is not a third party filing this complaint. I have attached several inaccurate/ incomplete accounts for your review. These inaccurate reporting are costing me grave financial woes. I would greatly appreciate if you remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXX  is my name and this is not a third party filing this complaint. I have attached several inaccurate/ incomplete accounts for your review. These inaccurate reporting are costing me grave financial woes. I would greatly appreciate if you remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be a discrepancy regarding their accuracy on my credit report. These accounts were removed previously but have been reinstated without my awareness. I did not receive any notification or correspondence about their reappearance.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the late charges inaccurately reported on my credit reports with XXXX, Equifax, and XXXX. Despite my previous disputes with them, these inaccuracies remain unresolved. Furthermore, the reporting appears to have been made without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ). 

Additionally, I was affected by the Equifax data breach in XXXX, and my XXXX XXXX is XXXX. The breach compromised my personal information, and it is possible that these inaccuracies are a result of this unauthorized access. I also understand that there was a breach at the Consumer Financial Protection Bureau ( CFPB ), which further exposed my information and could contribute to the inaccuracies on my credit reports. 

Under the FCRA, I am entitled to have all inaccurate, incomplete, or unauthorized information removed from my credit report promptly. Furthermore, I request : Verification of the methods used to investigate and verify this incorrect reporting, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), within 30 days. 

XXXX of the original source of this incorrect information, including who provided the late reporting to XXXX, Equifax, and XXXX. 

Immediate deletion of the inaccurate information from my credit reports. 

To date, I have not received any proof of the investigation methods or results from my prior disputes. This lack of response is a violation of my rights under the FCRA. 

Attached, I have included proof of my identity to support my dispute : Proof of identity ( e.g., drivers license, Social Security card ). 

Please consider this matter urgent. I expect your written response, as required by law, within the XXXX period allowed under the FCRA. If this issue is not resolved satisfactorily, I am prepared to escalate the matter to the Federal Trade Commission ( FTC ) or pursue other legal remedies available to me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
I incurred this debt over time, prior to the pandemic that began in XXXX. I do not remember when I opened the account, nor do I remember my account number. 

In XX/XX/XXXX, I was summoned to XXXX XXXX XXXX XXXX XXXX MA, in a small claims action filed by XXXX XXXX, the holders of XXXX Credit Card accounts. The attorneys they retained were : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appeared in court at the required time and place on XX/XX/XXXX. The case was continued to XX/XX/XXXX, however, a notice of dismissal was filed by XXXX XXXX XXXX attorneys on XX/XX/XXXX, and the case was disposed by agreement -- settled -- on XX/XX/XXXX. 

Therefore, there is currently no debt owed to them ; this is a matter of public record, docket number XXXX at XXXX XXXX XXXX ( XXXX ). 

this has been appearing on my credit report for nearly XXXX years now as a current debt, and it needs to be removed. It has affected my credit for far too long. I haven't gotten anywhere by filing disputes with the credit bureaus, and my attempt to contact XXXX directly resulted them asking for this information, but nothing being done about it. I have had no further contact from them. 

The attachment is a printout of the record found online, and includes all the information I described.

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( XXXX ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is XXXX I OWE NO DEBIT AND I REFUSE TO PAY. NEVER DID BUSINESS WITH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your help investigating accounts from companies that continue to report late payments inaccurately. I was laid off and requested forgiveness for these payments, which they approved, yet the reports still show them as late. I have reached out multiple times with no response, leaving this as my final effort.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
[ My Name ] [ My Address ] [ City, State, ZIP Code ] [ XX/XX/year> ] Central Portfolio Control , Inc [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Subject : Request for Account Information Account # [ My Account Number ] Dear Sir or Madam, I am writing regarding the account referenced above, which appears on my credit report. I am not yet disputing this account ; however, I am requesting additional information for my records. Please provide me with the following details regarding this account : XXXX. The chain of title or assignment of the debt, including all entities that have owned or managed this account. XXXX. The date of the first delinquency. XXXX. The date of the last payment made on this account. XXXX. The amount of the last payment. XXXX. The date of charge-off, if applicable. XXXX. Proof/verification of legal right to collect on said debt with original signature and documentation that I ever had an account with this company. I kindly request that you provide this information within 30 days of receipt of this letter. This request is made pursuant to my rights under applicable federal and state laws. Please send your response to the address listed above. If additional information is required to process this request, feel free to contact me at [ My Email Address ]. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ My Full Name ]

Company response to consumer: Closed with explanation