vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: IL

Complaint narrative:
its XXXX different addresses that dont belong to me these addresses are nonmailable XXXX, the adresses is XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ill XXXX XXXX XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXX  ill XXXX, these addresses are not mailable my address is XXXX XXXX XXXX XXXX il 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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MD

Complaint narrative:
To Whom It May Concern : The account does not belong to me : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.

Please provide at least the following information within 30 days from the date of your receipt of this validation request : : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Interest Rate Disclosures Pay off Disclosures Was this debt assigned to a debt collector or purchased? 
Amount paid if the debt was purchased : Original Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

Proof that the Statute of Limitations has not expired Proof that you are licensed to collect in my state ; and Agreement with the creditor that authorizes you to collect on this debt If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: ONLINE Information Services, Inc.
State: GA

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 : ONLINE INFORMATION SERVICE Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: PR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company keep providing me with a void contract, Experian keep saying it was verified next In the next couple days After the 15 day I will move forward with suing. Company have been provided with a ftc etc. If they think its mines take me to court I have all the documents and proof.

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 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

Complaint narrative:
On XX/XX/XXXX a collection account was placed on my credit file listed under Jefferson Capital Systems with an original lender listed as XXXX for {$710.00}. Not only did this company fail to notify me via mail in regards to this fraudulent account, they also violated my rights by adding this account to my profile without proper procedures. I am requesting to obtain validation of debt under Fair Debt Collection Practices Act ( FDCPA ) including the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The original contract/ agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges and a list of charges that total the amount claimed 4. Proof that the Statue of limitations has not expired Furthermore, on XX/XX/XXXX this same account was listed for collections by XXXX XXXX XXXX XXXX XXXX who ultimately removed the account because they could not provide sufficient information regarding this file. I am demanding this account be removed from all of my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-03-11 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-11 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: CITIBANK, N.A.
State: IL

Complaint narrative:
look at my credit report an inquires i never inquired for anything from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX citi bank XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
To Whom It May Concern, I want to bring to your attention, once again, that XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX has been removed and re-added multiple times by your agency. I am outraged by the changes and decisions that your agency has made, highlighting the inconsistencies and irregularities in your records. I have noted the removal and re-adding dates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This repeated action is not only unhelpful but is detrimentally affecting my credit files. 

In my understanding, if a company puts back an account on a consumer 's credit report after it was removed, the credit reporting agency ( CRA ) must : Tell me within 5 business days that you put the account back.

Provide me a written notice including : > A statement saying the disputed information is back. 
> The name and address of the company that gave you the information, and their phone number if available. 
> A notice telling me that a statement can be added to my credit file. 

This is important because before putting the account back, the company that provided the information must confirm it's accurate, and this notice is a way to show that they did that. It also lets me dispute the information if I think it's wrong. However, your process appears biased and lacks my attention and approval. 

Moreover, I request further proof and evidence of the persistently incorrect and misleading accounts added to my files to understand how your verification was done. I strongly demand the complete removal of these accounts from my credit report due to inaccuracies and contradictions of your reported items. Specifically on the following : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX  Account XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX I expect a prompt resolution to prevent further damage to my credit profile. 


Sincerely, 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 2024-03-11 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: FL

Complaint narrative:
To Whom It May Concern, I want to bring to your attention, once again, that XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX has been removed and re-added multiple times by your agency. I am outraged by the changes and decisions that your agency has made, highlighting the inconsistencies and irregularities in your records. I have noted the removal and re-adding dates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This repeated action is not only unhelpful but is detrimentally affecting my credit files. 

In my understanding, if a company puts back an account on a consumer 's credit report after it was removed, the credit reporting agency ( CRA ) must : Tell me within 5 business days that you put the account back.

Provide me a written notice including : > A statement saying the disputed information is back.

> The name and address of the company that gave you the information, and their phone number if available.

> A notice telling me that a statement can be added to my credit file. 

This is important because before putting the account back, the company that provided the information must confirm it's accurate, and this notice is a way to show that they did that. It also lets me dispute the information if I think it's wrong. However, your process appears biased and lacks my attention and approval. 

Moreover, I request further proof and evidence of the persistently incorrect and misleading accounts added to my files to understand how your verification was done. I strongly demand the complete removal of these accounts from my credit report due to inaccuracies and contradictions of your reported items. Specifically on the following : XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX EQUIFAX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX  I expect a prompt resolution to prevent further damage to my credit profile. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I received a letter from my property XXXX call AmeriHome it was stated to me on the phone that it will be paid .In XXXX I received a letter stated that my home loan has been transfer to XXXX XXXX XXXX which located in XXXX Texas I paid my last mortgage payment with AmeriHome in XXXX for the amount of {$2300.00}, I paid XXXX with XXXX XXXX for XXXX {$230.00}, when call to pay XX/XX/XXXX the house mortgage payment went to {$3000.00} I never miss a payment with I AmeriHome the property taxes and home insurance was included with the mortgage payment now Im in delinquent for {$7200.00} Im about to lose my childhood home when AmeriHome transfer they knew they didnt pay the property taxes.

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 2024-03-11 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: TN

Complaint narrative:
These accounts were not opened by me, and I suspect them to be unauthorized. I urge you to conduct an investigation and eliminate them from my credit report. I have submitted supporting documents to validate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: SC

Complaint narrative:
I am writing to dispute an inquiry that appears on my credit report. I have carefully reviewed my records and can confirm that I did not initiate this inquiry. I believe this inquiry is inaccurate and should be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are not correct, and it's causing me some discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
Update Request for XXXX Debt ( Account Number : XXXX ) I am writing to inform you that the necessary documentation for the discharge of debt, specifically Form 1099C, has been submitted in accordance with the requirements outlined by the Internal Revenue Service ( IRS ). 

I kindly request that you take the necessary steps to update all records associated with the XXXX debt indicated by the aforementioned 1099C form. 

It is crucial for the accuracy of my financial records that this information is promptly updated. I trust that Cross Country Mortgage LLC will ensure the proper handling of this matter. 

Should you require any further documentation or clarification regarding this request, please do not hesitate to contact me via email at XXXX. 

Thank you for your attention to this matter. Your prompt action in updating the records is greatly appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Enclosed with this letter, please find a copy of Form 1099-C ( XXXX XXXX  ) issued by SYNCHRONY FINANCIAL for the canceled debt associated with the aforementioned account. The canceled debt has been reported to the IRS, and I have retained this form for my tax records. I kindly request that you remove this account from my credit report as it is causing significant harm to my creditworthiness. This negative reporting is particularly detrimental to my ability to acquire housing, as it affects my credit score and financial standing. Per guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to accurate and fair credit reporting. Given that the debt has been canceled and properly reported to the IRS, its continued presence on my credit report is unwarranted and misleading. I would appreciate your prompt attention to this matter. Please investigate and remove the inaccurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. Should you require any further information or documentation regarding this request, please do not hesitate to contact me at XXXX or XXXX. Thank you for your cooperation and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosure : Copy of Form 1099-C ( Cancellation of Debt ) - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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