vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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:
XXXX XXXX XXXX is attempting to collect a charged-off debt originally reported by XXXX XXXX. Despite my request for validation, I have sent out a letter XX/XX/year> they have failed to provide sufficient documentation proving the legitimacy of this debt. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S.C. 1692g ( b ) Failure to validate the debt upon request. 2. 15 U.S.C. 1692e Engaging in false or deceptive practices by continuing to pursue collections without providing adequate validation. Additionally, XXXX XXXX XXXX is violating the Fair Credit Reporting Act ( FCRA ), particularly : - 15 U.S.C. 1681s-2 ( b ) Reporting inaccurate or unverifiable information to the credit bureaus, thereby damaging my credit profile. 

Impact on Me Their actions are causing significant harm to my creditworthiness and financial stability, as this debt is inaccurately reported and unvalidated. These practices are unlawful and have negatively impacted my ability to secure credit.

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 2024-12-04 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: TX

Complaint narrative:
My credit score has been severely impacted by multiple fraudulent accounts that have recently appeared on my report without my authorization. These accounts are causing significant damage to my credit standing and creating an inaccurate reflection of my financial history.

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 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
XXXX XXXX, of Lennar Mortgage, has blocked authorization of the loan needed for my purchase of a new home because I am XXXX XXXX. First, I was encouraged to do all of the documentation necessary in order to process the loan and purchase the home by XXXX XXXX. But once a copy of my drivers license was submitted to XXXX XXXX, all road blocks have been put in place to deny me the loan to purchase the home. XXXX XXXX has even gone so far as to hack into my email in order to corrupt a document that I sent to him in order to comply with the documentation requirements. After XXXX XXXX explained to me his experience with the U.S. Veterans Administrations access to documents, he hacked into my email in order to corrupt a a VA statement of a paid debt document ( it appears to now be encrypted ) in order to cover up his discrimination. I have made demand to Lennar Mortgage to return the {$850.00} earnest money submitted to Lennar Mortgage to set the home aside for my purchase. I have asked repeatedly for my money back, but to no avail. XXXX XXXX, acting on behalf of Lennar Mortgage, has refused to complete the purchase process for the home, and refused to return my earnest money because I am 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 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a telephone mobile account opened at XXXX XXXX on XX/XX/2019 under the account number ( # XXXX ) with the amount of {$2600.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-04 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: TX

Complaint narrative:
My credit score has been severely impacted by multiple fraudulent accounts that have recently appeared on my report without my authorization. These accounts are causing significant damage to my credit standing and creating an inaccurate reflection of my financial history.

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 2024-12-05 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-04 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX 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 2024-12-04 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
This complaint is being filed to request that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that has been the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and inaccurate information consists of and account with XXXXXXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX with an amount of {$2500.00} ; and collections accounts with XXXX XXXX XXXX, Account # XXXX opened on XX/XX/XXXX with an amount of {$5300.00} ; XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX with an amount of {$3100.00} ; and XXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX with an amount of {$6200.00}. These accounts have resulted in several fraudulent inquiries, collections, and an account appearing on my consumer credit report. I've attached a copy the consumer report maintained by you which shows the above mentioned items which were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of theft and 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 non-monetary relief
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
Despite multiple complaints, my credit report still reflects inaccurate accounts that are tied up in litigation. I am outraged by the lack of attention to this issue, which is seriously harming my financial standing.

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 2024-12-05 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies ( XXXX ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX refuses to remove this incorrect information from my social security number because that name is not my name. I have tried to do this 3 times already. I have sent a color copy of my social security number, my driver 's license, and a copy of my passport. It refuses to correct my name. Everything that is incorrect under my social security number is because it is selling false information about me. It knows full well what the law says in these types of cases. I warn you that I will take a court order for you to be prepared to present all the evidence you have and all the evidence that I have sent to them. Thank you. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

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 2024-12-05 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: FL

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies ( Equifax ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX refuses to remove this incorrect information from my social security number because that name is not my name. I have tried to do this 3 times already. I have sent a XXXXolor copy of my social security number, my driver 's license, and a copy of my passport. It refuses to correct my name. Everything that is incorrect under my social security number is because it is selling false information about me. It knows full well what the law says in these types of cases. I warn you that I will take a court order for you to be prepared to present all the evidence you have and all the evidence that I have sent to them. Thank you. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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:
Despite multiple complaints, my credit report still reflects inaccurate accounts that are tied up in litigation. I am outraged by the lack of attention to this issue, which is seriously harming my financial standing.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Subject : Request for Method of Verification - Account # XXXX Dear Chrysler Capital, I am writing to formally request the specific method of verification used to confirm the accuracy of the late payment information reported to the credit bureaus for my account # XXXX. 
Following my recent dispute regarding the accuracy of this late payment, I was informed that you have verified it as correct. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to understand the verification procedures you employed to ensure the accuracy of the reported information. 
Please provide a detailed explanation of the steps taken to verify the information, including : Documentation reviewed Sources or third parties consulted Any relevant records or data points used to confirm the late payment This request is made to ensure that the reported information reflects my actual payment history accurately. I expect a response within 15 days of receipt of this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
SPS I received help through a federal government program that would of paid my mortgage for up to a year to get me caught up. Instead, as soon as SPS received the money, they raised my mortgage. Then they kept demanding that I go back to the government agency that helped to get more help. 

I recently sent my check stubs and XXXX to SPS, and they keep asking for verification. A rep told me today that it means I am filing my XXXX taxes. SPS is stalling because they are transferring my mortgage. They are not clearly stating why they are rejecting my check stubs and employment letter. SPS is stating that my employer is not taking federal taxes out of my check, and my check stub clearly states that. 

I want them invested for mortgage fraud and discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: AZ

Complaint narrative:
I am filing a complaint regarding a collections account reported by Summit AR on behalf of my former employer, XXXX XXXX. I dispute the validity of this account as there is no evidence supporting a portion of the alleged debt. Below, I provide a detailed account of events. 

Initial Contact : -- On Friday, XX/XX/XXXX, I received a phone call from XXXX XXXX of Summit AR ( XXXX phone number ). 
XXXX XXXX informed me that XXXX XXXX was seeking repayment of a sign-on bonus and relocation payment. 
-- This was the first time I was made aware of any outstanding balance, despite having left XXXX in XX/XX/XXXX. I had received no prior communication ( letters, emails, or phone calls ) from XXXX or Summit AR. 
-- I requested written documentation from Summit AR regarding this matter. 

Received Documentation : -- On Monday, XX/XX/XXXX, Summit AR sent me documentation, including : -- -- A letter outlining the total balance of {$10000.00}. 
-- -- A XXXX Sheet PDF showing the calculation of the alleged repayment. 
-- -- An agreement with my electronic signature detailing the relocation payment terms. 
-- These documents did not include evidence of an agreement requiring repayment of my sign-on bonus. 

Resolution of Relocation Payment : -- On XX/XX/XXXX, I held a 20-minute phone call with XXXX ( XXXX XXXX number ) to review the documents. During this call : -- We agreed that the relocation payment obligation was supported by the provided documentation. 
-- I promptly repaid this portion of the balance. 
-- I disputed the repayment of the sign-on bonus, as no documentation supported this claim. 

Repeated Requests for Evidence : -- Despite my repeated requests, Summit AR has not provided any evidence supporting the need to repay the sign-on bonus. 
-- Key interactions include : -- -- XX/XX/XXXX : XXXX confirmed he would escalate my request for evidence to XXXX. 
-- -- XX/XX/XXXX : Summit AR confirmed the updated balance of {$2400.00}, reflecting my repayment of the relocation payment, but still failed to provide proof for the sign-on bonus repayment. XXXX stated he would file my dispute. 
-- -- XX/XX/XXXX : I followed up with XXXX, who confirmed that no new documentation was available. 

Current Situation : -- I have received no further communication from XXXX, Summit AR, or XXXX since XX/XX/XXXX. 
-- The collections account remains on my XXXX credit report despite the lack of supporting evidence for the remaining balance.

Company response to consumer: Closed with explanation