vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: LA

Complaint narrative:
After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this 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 non-monetary relief
Consumer complaint received 2024-04-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-04-18 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
I am writing to follow up my previous dispute according to the information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving 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 2024-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
The Mortgage provider sold my loan and when I call the prior mortgage provider I am not allow to speak with anyone to determine who is my new mortage provider so that I can make my XXXX and XXXX mortgage payment. You can only get a recording XXXX, the prior mortgage company is sending communications to the subject property which is a rental property. Therefore, I am not receiving the mortgage provider 's communications in a timely manner or not at all. The mortgage provider should be sending all communication to my place of residence. The mortgage provider may also be sending communications to my attorney that is no longer respresenting me in regards to this property. In summary, I can not pay my mortgage due to failed communications from the mortgage provider. Additionally, I am concern that the mortgage provider will use this unlawful situation to submit my property for foreclosure. I am able to make both payments due, XXXX and XXXX, 2024 if i can receive new mortgage provider 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: LA

Complaint narrative:
After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
I am writing to follow up my previous dispute about certain inaccuracies on my credit report. I have carefully reviewed the information provided by your bureau, and I have identified several discrepancies that require your attention and correction.

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 2024-04-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have been the victim of identity theft. Several on my accounts were compromised including my Money Network debit card. {$1800.00} was applied to a vendor I have no knowledge of nor a relationship with past/present. I have opened a fraud claim weeks ago to recoup my funds with no resolve.

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 2024-04-18 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX You are in Direct Violation of The Fair Credit Reporting Act Apple Card-GS Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX has violated several of my rights. 

18 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 U.8.C 1681 Section 804 A Section 2 : It also states a consumer reporting angency, can not furnish an account Without my written Instructions.

16 U.S.C 166EB : A creditor may not treat a payment an a credit card account under open end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX  reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have recieved my 1099-C Copy B form from the IRS having my student loans forgiven and debt canceled for the total amount of them being {$13000.00} at the time it was. Yet there was no reflection made on my nelnet account, my student loan account number being XXXX. As well as late fees for these loans that increased the amount when it was already canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting an account XXXX  on my credit file and the account ad balance do not belong to me I have attached AGAIN the letter directly from XXXX advising this account would 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 explanation
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
Under FCRA 605B, it is necessary to expunge any inaccuracies from my credit report. I urge you to review the documents promptly and remove the listed erroneous accounts accordingly.

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 2024-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BDF Partners, PC
State: CA

Complaint narrative:
California XXXX : { XXXX XXXX. XXXX } and { XXXX XXXX. XXXX  } represent Law Firm Barrett Daffin Frappier Treder & Weiss , LLP and our loan servicer ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, all involved in Violations of Wrongful Trustee Sale of our home on XX/XX/2024 and auctioned our home, fraudulently on XX/XX/2024 after XXXX, considering I was forced to file Bankruptcy XXXX XXXXXXXX on XX/XX/2024 at XXXX before our home can be Legally Auctioned. XXXX XXXX at, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX was hand delivered my XXXX filing, XXXX XXXX, Trustee of our XXXX XXXX XXXX. Confirmation of my XXXX filing was Emailed Electronically at XXXX to { XXXX and, emailed to XXXX } Trustee BDF Law Group whom Auctioned our home Fraudulently on XX/XX/2024 after XXXX XXXX XXXX. 

Attorneys mentioned & BDF Law Group, are in Violations of all U.S Federal Laws & Regulations due to my XXXX filings and currently proceedings. Sanctions are to be imposed for such violations. I have also filed Misconduct complaints of mentioned lawyers to The XXXX XXXX of California, for deception, misrepresentation and unfair business practice. My XXXX Trustee ; XXXX XXXX XXXX and XXXX XXXX XXXX, { XXXX Judge } have also been notified of my Wrongful Trustee Sale of XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ Data international IN placed a collection on my account for {$5400.00} - I have never done business with the original creditor : XXXX XXXX  at the XXXX XXXX  they have linked this debt to my name that does not belong to me, tthis is not my debt a. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse My information continues to be sold & shared illegally which is a violation of my right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I lost my job XX/XX/year>. I did not receive unemployment and began to fall behind on my rent and car payments. I was paying late each month and having to pay a {$50.00} late fee. On XX/XX/year> I contacted Westlake Financial regarding my car loan. They had been sending me text messages and leaving voicemails to contact them about negotiating ways to bring my loan current again. I called the number they gave me in a text message and told the representative I had received a text to negotiate how to bring my account current. I explained that I was late on my XX/XX/XXXX payment and the XX/XX/XXXX payment was also due in one week. In addition my car insurance is due for the year on XX/XX/XXXX and I am required to carry car insurance as part of my loan agreement. In addition I also explained that I am XXXX  XXXX as my only source of income right now while I apply for other jobs so having insurance was a priority for me personally as well as for them as the lender. I told the representative I needed to defer the XX/XX/XXXX and the XX/XX/XXXX payments to the end of the loan and then I could pay my car insurance and resume my regularly scheduled car payments on XX/XX/XXXX. The Westlake Financial representative told me we could make this deferment to my loan and add the XX/XX/XXXX and XX/XX/XXXX payments to the end of my loan. She explained I would be charged for one late fee and that could be deferred to the end of the loan. She explained that additional interest for the XXXX deferred payments and the late fee would be charged. She told me I needed to make a {$55.00} payment with her in order for her to process the deferment. I paid the {$55.00}. I thanked her profusely and even cried saying multiple times that giving me the extra 2 months is what I needed to financially recover from losing my job. I believed the Westlake Financial representative was telling me the truth. On XX/XX/XXXX I began receiving calls, emails and texts from Westlake Financial saying I failed to make my XX/XX/XXXX payment. When I explained to them about the deferment arrangements they told me they were not made and they could not be made. They stated my credit was being negatively effected and I had incurred another late fee. They also told me the representative I spoke with on XX/XX/XXXX recorded the {$55.00} she demanded to make the payment deferment arrangements as a partial car payment of only {$50.00} which was never explained to me. My understanding was the {$55.00} was the fee to make the deferment plan. I was informed on XX/XX/XXXX that I need to pay the XX/XX/XXXX payment and the late fee by XX/XX/XXXX and my next car payment XX/XX/XXXX and Im no longer eligible for deferment because they deferred my XX/XX/XXXX payment only.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been contacting Experien for several months about the incorrect and inconsistency in my address my address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX on my personal information with Experien they have my address as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX this is incorrect and not accurate I asked for this address to be removed and delete it off my file when I talked to Experien and they informed me that the address was deleted but I am still able to see the address on my personal information this address should not be appearing when I log in on the website it XXXX XXXX  my correct address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX they also have on my credit report when I open my file with Experien they have another address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX when I log in on the website with Experien it gives me a message saying that my information is not matching up with the lenders which mean I have been locked out of my account and unable to see my score or to maintain my credit I ask for all this to be corrected but I keep getting lied to and they refused to let me into my credit file by refusing to update my address and deleting these addresses I do not want these addresses updated I need this address to be delete it off my file so that when I login with Experien on the website I am able to maintain my credit and look over my files and see the correct information The report number # XXXX please help 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 2024-04-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
The above mentioned content has never been certified to meet any reporting standards. The data presented has never been verified or proven to be accurate, complete, or up to date. In order to confirm compliance with any reporting obligations or consumer legislation, proper documentation would be required. The information supplied is insufficient, and I demand that any unsupported or incorrect material be deleted.

Company response to consumer: Closed with explanation