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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On all three credit Bureaus my personal information is reporting inaccurately and that's stopping me from getting approved and i have been getting denied for credit in, fact, that is a violation for reporting the wrong social security number for a consumer if you suppose to protect consumers information. There are accounts reporting that i have no knowledge of as well as inaccurate information reporting on an account. By law all three Credit Agencies are supposed to report 100 % accurate, complete, verifiable information. They all have failed to do so. I sent in letters and made multiple calls for all issues to get rectified and handled correctly by law. I need my personal information updated with the correct information and also i need all other accounts to be updated or removed due to inaccuracy and lack of information. XXXX. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX is reporting inaccurate information. The account is not verifiable I did not signed any paper work with this company. This account is not valid. 15 usc 1692g, 15usc1692k, 15usc1692e, 15usc1692h, 15usc1692j,15usc1692f. 2. ) XXXX XXXX XXXX  Bank Opened : XX/XX/XXXX this account is reporting false information that's damaging my credit worthiness, I was never late on this account, There has to be some kind of billing error somewhere, Payment history is not accurate. Update this account to being current, never late. XXXX. ) XXXX XXXX XXXX XXXX : XX/XX/XXXX This account is not accurate, this account need to be updated or remove from my report immediately due to the fact i do not recognized any of the information that is reporting, The account is not a written off charge off, if so the debt is canceled from the IRS and it shouldn't be reporting this is fraud and i want it removed immediately. If the account is charge off the debt was filed with an 1099c form. The debt does not exist, Update this account immediately or remove it from 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 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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: LEXISNEXIS

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 
I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security.

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: ID Analytics, Inc.

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 
I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hi CFPB, I'm still being illegally harassed, pursued on a debt I do not owe by Specialty Loan Servicing LLC and want it to stop! 

Per the company response XXXX, filed a Fraud report, which they are not accepting due to no signature by a police person. I noted that they said ( police department ) they don't sign the documents, they only put their badge number, which confirms they handled/accepted the report and can be contacted. They have file for Foreclosure on my property ( XX/XX/XXXX ) on a " fraudulent debt! '' Stop pursuing on this XXXX year old debt that I do not owe and now remove the Foreclosure Notice off my property that my family has lived in for 24 years.!! This should not be allowed to happen to anyone 's family. Specialized Loan Servicing is only doing this because they want my increased Equity that is in the property!!!! 

I have also included my Driver 's License. 

( Background ) I originally purchased this property ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Ca ) in XX/XX/XXXX through my first lender XXXX XXXX in XX/XX/XXXX. My lender for this property in XXXX was with XXXX, where I " refinanced '' the property and pulled out some of the " equity only '', no second mortgage. I did not request or submit for a XXXX mortgage or have I had a second mortgage on this property since my original purchase. My loan has been sold to other lenders XXXX times since I have owned the property. In late XXXX & XX/XX/XXXX, " XXXX '' years later, I started receiving threatening notices of Default, Foreclosure and letters from realtors of selling my property! I contacted my current provider several times after receiving these notices as to why I was receiving the notices, ( who stated as I have known ), that my loan is current and there are no notices on my account for Default or Foreclosure and my payment history is very good and to disregard the notices. I actually have " excellent credit '' and don't want it ruined by this situation and to stop being harassed for money I don't owe! This situation is causing extreme stress with me and my family. Thank you for your assistance.

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: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP
State: MT

Complaint narrative:
I have had multiple XXXX of new XXXX and XXXX cars in my life. I am literally like their best customer since XXXX. We have a XXXX XXXX, a XXXX XXXX, and decided to get a new $ XXXX XXXX XXXX. I went to their financial web site and applied for pre-approval, as I have done many many times over the years. I filled out their credit application and it said it was done. I submitted it, as I have always done. It said I would have an answer in 1 business day. XXXX ran my credit. That was almost a month ago. Their web site still says I will have an answer in XXXX business day. Because I had lined up a new car and my dealer was anxious to get it sold, I started calling asking for their help. The representatives at XXXX hang up on me, repeatedly promise me supervisor call backs that never come, and even outright lie to me. I was provided a case number ( XXXX ) that Ive subsequently been told isnt a real case number. They gave me an email to write to ( XXXX ) that goes nowhere. One agent told me my application was stuck and an IT ticket had been submitted to have it fixed, but who know if that is even real since so many lies have been told. I reached out to XXXX XXXX XXXX ( which is supposed to help me as their multiple car customer ), and reached a series of even ruder and less-helpful agents who simply hang up. XXXX says it is open until XXXX in my time zone, but they have been closed before 5. This isnt even about the car anymore. I regret ever giving a dime to a company who treats very good customers like this. This is a horrible way to treat somebody. They told me I had to go to an XXXX dealer. I did. They couldnt get any help. I went to the XXXX dealer that sold us the XXXX XXXX in XXXX. They reached out to their factory rep. Again, nothing. What is worse? Their web site prohibits me from filling out another application for 30 days, so my choices are to live with the meaningless credit hit or wait 30 days and take another credit ding for the same transaction and hope I dont end up in this spot again. My dealer has agreed to return my deposit but I also feel bad they have an unsold car now. I am so sorry I ever got involved with XXXX or XXXX. Absolutely rock bottom east Texas tire fire customer service. Bottom of the barrel. Nothing like giving a lifetime of money to people only to have them hang up on you and lie to you. I could not be more disgusted and will never buy another one again. They owe me an apology.

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.

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX

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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also 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 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
The issues at hand relate to the following potential violations : Incomplete Reporting : Jefferson Capital Systems , LLC 's reporting fails to furnish adequate details regarding the veracity and comprehensiveness of the provided data. This omission contravenes FCRA stipulations mandating accurate and exhaustive reporting of consumer information.

Unlawful Collection Methods : Jefferson Capital Systems , LLC 's collection practices may violate 7311 ( b.1 ) of PFCEUA/FCEUA by attempting to collect amounts not expressly provided for in the original agreement creating the debt or permitted by law.

Deceptive Communication : Jefferson Capital Systems , LLC 's correspondence contains language that could be construed as deceptive, particularly regarding the nature of the debt and the implication that consumers must address discrepancies directly with credit bureaus, potentially violating FCRA regulations.

Failure to Validate Debt : there is a conspicuous absence of a purchase agreement substantiating the transfer and validation of the debt upon its acquisition by Jefferson Capital Systems , LLC. FCRA mandates furnishers to furnish a comprehensive validation of debt, inclusive of any pertinent documentation affirming the legitimacy of the debt. The absence of such documentation raises significant doubts regarding the veracity of the reported information and underscores potential violations of FCRA, PFCEUA/FCEUA, and pertinent legal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am unaware of the debt with Hunter Warfield Collection Agency they have not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report for account # XXXX. If in fact you feel I have received proper notification, please provide a copy of the certified mail receipt with my signature. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) this collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. Hunter Warfield Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am disputing owing any and all debts. I am also revoking all rights of communicating with me through email text or calls. I am requesting debt validation, a purchase agreement between myself and the original creditor, and to furnish proof that you are licensed and bonded. 

XXXX XXXX Without Recourse XX/XX/year> 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : 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 2024-02-29 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.

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : 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 2024-02-29 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: CA

Complaint narrative:
I demand the immediate removal of fraudulent and inaccurate information from my credit report, specifically incorrect names and addresses. These details are not associated with me, and I insist on their prompt deletion, replacing them with my accurate and legal information. Incorrect names : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Incorrect addresses : XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, 1952 XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX 1952, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, NM, 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 2024-02-29 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: WI

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts from my credit report. These accounts were confirmed as fraudulent by the associated banks over the phone, as a result of proven identity theft. The banks have assured me that they will promptly remove these accounts from reporting. Failure to do so would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company response to consumer: Closed with non-monetary relief