vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: LEXISNEXIS
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Lexis Nexis concerning the inaccurate reporting of negative claims on my consumer credit profile. I am deeply concerned about the accuracy and integrity of their reporting practices, as certain claims have been inadequately or un-demonstratedly asserted. 

My primary concerns are as follows : XXXX. Bankruptcy XXXX XXXX : After disputing the bankruptcy appearing on my credit report, Lexis Nexis asserted that the information is accurate. I find this assertion questionable, as the court, the source of this information, explicitly stated in a letter ( attached herewith ) that they do not report any information to credit reporting agencies. The failure of Lexis Nexis to validate this information with the source compromises the integrity of their reporting. 

XXXX. Privacy Act Violation : In accordance with the Privacy Act of 1974 552a ( b ), no agency, including Lexis Nexis, is allowed to disclose any record, such as bankruptcy information, contained in a system of records to any person or another agency ( XXXX, XXXX, or XXXX ) without the written request or prior written consent of the individual to whom the record pertains. I, XXXX XXXX, did not provide consent to Lexis Nexis or any other agency to collect or share my personal information with XXXX, XXXX, or XXXX. I request the immediate deletion of this erroneous information from Lexis Nexis 's system and from all associated credit reporting agencies. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure that Lexis Nexis adheres to fair and accurate reporting practices. I believe that a resolution to these issues will not only rectify the inaccuracies in my credit profile but will also contribute to maintaining the integrity of the credit reporting system. 

Enclosed with this complaint, please find supporting documentation, including the letter from the court explicitly stating their non-reporting policy. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint with the diligence and seriousness it deserves. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: OK

Complaint narrative:
looked at my report back on XX/XX/XXXX, and noticed some things are not accurate due to fraudulent accounts.. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX were opened using my information due to data breaches and resulting in the fraudulent accounts. 

I sent a letter asking them to send documents showing signatures of all parties involved and never received these documents. I have been attempting to get these accounts removed with the companies and the credit bureaus themselves. 

They sent the investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate as again these accounts were open due to fraud.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-02-29 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: OH

Complaint narrative:
My credit file has been mixed up with my sons we have similar names and share the same address. His accounts are reporting to my credit report. 

These account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Mistaken identity/ does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: OH

Complaint narrative:
My credit file has been mixed up with my sons we have similar names and share the same address. His accounts are reporting to my credit report. 

These account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Mistaken identity/ does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
Denied XXXX times for apartment rentals for credit. I file XXXX XX/XX/2023. XXXX XXXX ( loan company appears XXXX times on my report when it's the same loan that I file in XXXX. This account should appear one time. I will like them remove from my XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: CA

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 XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — FHA 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: PA

Complaint narrative:
I came down with XXXX and I was still working going through my treatment and due to the fact that I had to deal with short term XXXX I wasnt getting my full pay and I went XXXX months of making payments and I got to the point where I couldnt make any more payments anymore thats when I call my mortgage company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Finance Direct LLC.
State: IL

Complaint narrative:
Back in 2023... I financed about {$1800.00} or to have my teeth straightened with smile direct club, with {$250.00} down and {$88.00} a month.. half way through back around XXXX of XXXX I get an email stating smile direct club is no more and has filed for bankruptcy case no. XXXX with the southern district of Texas XXXX XXXX XXXX So no more services could be obtained.. no support, no trays to continue with the straightening of ones teeth or anything. 
Than I began to receive calls, text messages, mailings and withdrawals were taken out my bank account from a company named healthcare finance direct. A company that invested with smile direct. I asked them to stop calling, messaging and sending me mailings, thats fraudulent to try to collect on smile direct behalf when they ended treatment. They wont stop Im not the only one. 
I blocked the company, I blocked my bank account.. but I still get the mailings.. please help I have to start all over Im out of money and my teeth are still not straightened, its not right those company is trying to collect in smile direct behalf and they ended services. 
full address is # XXXX XXXX Healthcare Finance Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
NO KNOWLEDGE OF ACCOUNT STATUS RECEIVED NOTHING IN THE MAIL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I called Freedom Mortgage regarding forced homeowners insurance placed by them on our mortgaged condo. In both instances, after hours of telephone contact, I was notified that our building insurance documents had been received by Freedom Mortgage and that the forced insurance payment made on our behalf would be fully refunded to our escrow account.Our last statement dated XXXX  showed an increase of {$490.00} to our monthly note payment due to the payment of forced homeowners insurance. I waited to see if a corrected statement showing the original, correct, note payment due would be sent to us. None was received and since the note is due on XX/XX/XXXX I called today to verify that payment at the original fixed note amount would be accepted as timely full payment of the note. Customer service stated that the note was increased due to a lapse in our insurance coverage and purchased insurance. After about an hour of discussion a supervisor told us that the company notes showed that our provided insurance was in place for the full period and that the forced insurance premium will be refunded in full, but they are waiting on an escrow run requested in early XXXX that has not been completed due to a backlog in escrow processing. He said the correct original note payment will not be accepted until the escrow run is complete possibly in late XXXX. He said that if we make payment by XX/XX/XXXX the late payment will not be reported as delinquent and we will not have a late fee. If they have not been able to make the correction by then we will have to pay the increased mortgage amount to be considered current in our payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: IA

Complaint narrative:
I filed bankruptcy in XX/XX/2022, it did not include my mortgage. SLS included a claim of an amount due that was already paid, it was a monthly payment they have since collected in it after its already been paid. They removed my online access which does not allow me to pay online anymore. I now have to pay by phone by the XXXX or Im charged a fee. However, my mortage contract gives me until the XXXX until delinquent. This is mistreatement of customers in bankruptcy. I have use bill pay to get around the fee and they have taken my funds and put them in an account which we caused them to report to my credit that Im delinquent. I call to get it fixed and they tell me Im good. Then I call back about PMI which I am now being charged for incorrectly and they said Im delinquent again. I sit on hold and then they hang up. I have no access to my mortgage and no one at SLS can answer my questions. They have admitted to providing incorrect information. I do not receive paper statements and can not access electronic statements online. I believe I am being mistreated as a customer and would like a resolution.

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