vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: MA

Complaint narrative:
The duty pursuant to the FCRA, it EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX account beginning in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate reporting of late payments on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my XXXX XXXX  and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA ZIP XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

I have previously disputed the account in question on XXXX separate occasions, yet each investigation has resulted in the account being verified. Despite these verifications, I have not been provided with a detailed description of the investigation process, as required by law. 

Moreover, I have filed a complaint with the Federal Trade Commission ( FTC ) because this account only appears on my Equifax report and not on the reports from the other credit bureaus. This discrepancy raises serious concerns about the accuracy and reliability of the information being reported. 

This letter serves as a final warning. If my rights continue to be violated and I do not receive the required documentation and resolution, I will take further legal action to protect my consumer rights. 

Below are the details of the disputed account : Creditor Name : XXXX Account Number XXXX EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: Self Financial Inc.
State: CA

Complaint narrative:
On credit report stating XXXX XXXX someone took a loan out on my name of {$710.00}. I noticed this on my credit report reached out to self lender left voicemails requesting a call back to validate this account. 

I tried multiple numbers to contact this lender and filed police report I called and spoke with XXXX from Self lender and she asked for XXXX XXXX declined and she was not able to identify me by name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: MO

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NV

Complaint narrative:
The company XXXX XXXX XXXX is claiming that I owe {$470.00}, impersonating XXXX XXXX. Firstly, I never make any contract with XXXX XXXX XXXX but with XXXX XXXX so that is braking the rule already, make account with XXXX XXXX, when I was in the XXXX in 2009, and the account was paid off. I have disputed this account multiple times and asked for the original contract and payment records, but they refuse to provide them. Additionally, a supervisor threatened my family when I asked him to communicate only through letters and provide the original contract. They keep changing dates to be able to collect on something that has already been paid. This also violates the Fair Credit Reporting Act ( FRCA ) by marking my credit report for more than XXXX XXXX Not even sent me to a credit bureau to try to resolve the issue, reason they don't see days of when was open or according to XXXX when it was delinquent neither record, now they have just put the account number without stating when it was opened or when it went into collection, which is another violation. I am concerned that this will affect my credit report for around XXXX XXXX  because no one wants to do their job properly, while violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I started my loan modification in XXXX of 2024, PHH Mortgage company who is servicing the loan with XXXX. PHHXXXX has been so difficult to work with they have given me the run around for the past 5 months. Several times I've had to upload Financial information and saying documents weren't signed on the paperwork. Phone call, after phone all agents say the same thing, if so frustrating. One of the biggest struggles is with the language barrier of the customer service or relationship managers. They we'll never let you speak to a manager or supervisor and I feel like they just read off a script of what they need to say. I've gone round and round with this company and they are doing nothing to help.They just keep pushing things back to buy them more time and In return pushing me back further behind with payments. The last phone call and I spoke to supervisor and I explained my entire situation. I even told her that I would be willing to make XXXX payments of my mortgage and she said I have to do the unpaid balance. How is this legal for them to deny payment from me. Also, question when Owcen sold my loan to PHH and then in return went to XXXX why did they not send documentation sign from me as the customer. 
Just trying every way possible to get some resolution from these XXXX mortgage lenders in helping me out. They have the worst customer service, they give you emails and then never respond to you. I don't know how that's legal when it's on their documentation. On my denial for my low modification they gave me information that does not even pertain to helping me in my mortgage loan again how is that legal. If I could just at least get some answers here on from the company or from this review or to see how they're willing to help. Homelessness is a real thing and I'm a single mother of a XXXX son who's been in my home for XXXX  years.

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 2024-08-06 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I am writing to formally address a serious issue concerning the handling of my identity theft report and to express my concerns about a potential violation of the Fair Credit Reporting Act ( FCRA ). 

I filed a report with ChexSystems concerning identity theft involving my personal information. The report included detailed documentation and evidence supporting my claim. According to the FCRA, specifically XXXX XXXX, ChexSystems is required to investigate and resolve disputes regarding inaccuracies on my report. 

To my dismay, I have not received any communication from ChexSystems indicating that an investigation was initiated or completed. Furthermore, my report remains unchanged, and no updates or resolutions have been provided to me. This lack of action not only disregards my rights under the FCRA but also exacerbates the adverse impact that the unresolved identity theft has had on my financial standing. 

Identity Theft and Reinvestigation : According to XXXX XXXX. XXXX, when a consumer provides a report of identity theft from the Federal Trade Commission XXXX FTC ) and requests a block on fraudulent information, the credit reporting agency must block the fraudulent information if it meets the statutory requirements. 

Signature Requirement : While it is understood that ChexSystems requires a law enforcement XXXX 's signature or a local police report in addition to the XXXX  Identity Theft Report, the FCRA allows consumers to use an FTC Identity Theft Report to substantiate claims of identity theft. The FCRA requires that such reports be accepted for the purposes of blocking or correcting fraudulent information in the credit file. 

I will be compelled to escalate the issue and seek legal counsel to ensure my rights are protected.

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 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not obtain any goods or services from these accounts and they should be completely removed from report. These accounts are fraudulent and do not belong to me. My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-06 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: MD

Complaint narrative:
Equifax and XXXX are not reporting the correct information on my credit report. I filed a dispute with both of them and have not changed my report to reflect the proper data. My mortgage was sold by " XXXX XXXX ''. The account was reported as " Closed ''. It was not closed. XXXX purchased the mortgage. They noted and recorded the mortgage and XXXX accurately showed that my account was created on XX/XX/year>. Equifax and XXXX will not change the data to reflect the proper information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: MD

Complaint narrative:
XXXX and Experian are not reporting the correct information on my credit report. I filed a dispute with both of them and have not changed my report to reflect the proper data. My mortgage was sold by " XXXX XXXX ''. The account was reported as " Closed ''. It was not closed. XXXX purchased the mortgage. They noted and recorded the mortgage and XXXX accurately showed that my account was created on XX/XX/2008. XXXX and Experian will not change the data to reflect the proper information.

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 2024-08-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX, I had used this card for multiple purchases at the XXXX XXXX XXXX in XXXX XXXX including XXXX XXXX XXXX XXXX I tried using it online and it does not work in any store, whilst the card had claimed it was usable online. They had lied and I am not able to make any online purchases. I had looked online and seen multiple people had the same issues as me. I had not called the service because I had already activated my account, and multiple people online had stated they would have to wait hours to get into contact with an AMEX employee. On top of that, a lot of people said they were very disrespectful, would blame the merchant, or hang up on them. I want a check of what is left on my card so I can actually spend what is on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/XXXX I was vacationing in XXXX XXXX. My sister tried to use her credit card for a purchase, but it was declined. I then let the owner scan my credit card to cover her purchase. The owner scanned my card ( a Bank of America VISA chip credit card ) with 2 different devices and said that they didn't work. My sister then paid cash for her purchase. When I got home I got online to pay off my credit card and found a charge for {$760.00} to a XXXX ( which I have never heard of let alone entered and purchased anything ). There was also a {$20.00} foreign transaction fee. I immediately notified my credit card company and filled out a fraud claim. They cancelled my credit card, sent me a new one and denied my fraud claim ( because a chip card had been used ). I have asked the fraud claim be reopened at least 5 times. Each time they open a case and continue to deny my claim. They were able to retrieve a receipt for the claim that has a signature that in no way resembles my signature. I have had a lawyer send them a letter and they did not respond to that letter. I have denial letters with the following dates ( all in 2024 ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/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 monetary relief
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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