vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was directed to this site by XXXX on XX/XX/2023 that has informed of inaccuracies of consumer credit report that included information that would be pursuant to the regulations and procedures that would be unlawfully be put into place for to be able to apply for an employer having been already charged for XXXX conviction as recognized by information from the Massachusetts Department XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX Code , 23-A of the New York Correction Law which was provided by XXXX. I don't not know of any company or business associating with my consumer credit report or ever made an agreements or arrangements in the past. Would like to be provided with the information and detail on my file.

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 2023-12-27 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: TX

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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 non-monetary relief
Consumer complaint received 2023-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
At the beginning of XX/XX/2023 I had XXXX payments ( {$600.00} each ) taken out of my checking account from XXXX. They weren't getting back with me so I filed a complaint with the CFPB and they then sent me a check, but it was for {$520.00}, not {$600.00}. 
I contacted them and they said that they will correct the issue, but I haven't heard back from them since. 
This is really inconvenient and insulting. 
I need my {$76.00} back from them. 
Thank you, 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
I have never received any debt validation verifying the debt is owed without any interested being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For almost a year now, I have been attempting to have XXXX removed from my credit profile. This account is inaccurate and by the means of fraud. Ive never had a XXXX XXXX account ever and this has been hurting my ability to Bank and my ability to function in society. Ive been reporting this matter for over a year now and Experian continues to report this innaccurate information on my account. 

By FCRA they have the duty of removing and correcting Inaccurate, incomplete, or unverifiable information usually within 30 days. 


Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

- If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Due to the overt disregard for the Law which all credit reporting agencies and furnishers must comply by I demand a serious removal of the XXXX  account from my credit reporting profiles immediately also The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRA ) demanding that furnishers and credit reporting agencies adhere to my rights and obligations. 

this had been demeaning and hurtful to my ability to BANK, LIVE, WORK. and ive stated with clearness that this is Not mine never been my account and I wish for this to 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/2023 I purchased {$33.00} worth of food from a concession stand at an art event and was charged {$730.00} instead of the intended amount. I drove back out to the event the following day and spoke with the owner who assured me the charge would be reversed and stated that they never provide receipts. After contacting my bank they issued a credit for the disputed amount and then received a legitimate charge for services from the vendor therefore taking back my money. I contacted the bank again and they stated that they have to reopen the investigation and can issue no credit as their investigation proved that the overcharge was legitimate.The merchant is XXXX XXXX based out of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Regarding erroneous information reported on my credit report, I filed disputes with XXXX, Equifax, and XXXX. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 30 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ).

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. when the most recent payment date ought to be displayed.

The FTC believes that this company has consistently violated FDCPA 809b by failing to validate this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: AL

Complaint narrative:
wrong address on file! I have wrote them several times I have certified mail receipts ... .I might need to be considered in the lawsuit against the bureaus the one from XXXX ... .update and correct my address or I will file lawsuits for inaccurate infomation I cant get insurance because of these address errors.

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 2023-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
During the XXXX years I've received countless emails and letters " Cash out Alert : Home Equity Available '' " Estimated cash available $ XXXX! from Freedom Mortgage. Therefore I requested via letter XX/XX/2023 that the PMI monthly insurance payment {$34.00} be removed. My request was denied. The company states FHA loans are " not eligible for MIP cancellation. '' This is unfair to the consumer. We have paid on time for the life of the loan and had significant roofing expenses {$9700.00} in the past year. Our current mortgage balance is ~ $ XXXX, Freedom 's marketing alerts claim " Estimated Home Value is {$240000.00} '' The facts are clear that it is unethical to continue charging PMI on this property and mortgage. The marketing to get people further hooked into debt on " easy Cash '' ploys is despicable as well.

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 2023-12-27 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: NJ

Complaint narrative:
HIS IS AN ADDENDUM TO THE PREVIOUS SENT FEED BACK FOR THE CLOSE COMPLAINT # XXXX This response to the now CLOSED complaint feedback is necessary due to the fact that there are many discrepancies in the chain of events claimed within the COMPANY 'S RESPONSE and attachments submitted. I am asking the CFBP to reopen this claim due to the reasons stated herein and the NEWLY SUBMITTED ATTACHMENTS submitted with this complaint/addendum and feedback. For the record, I was never sent a copy of said adjudication by the Superior Court Judg assigned to this case, nor was I sent any documentation by the Plaintiff in this case. This court has made an error in stating that this motion was unopposed. See attachment of my rebuttal motion filed with the court on XX/XX/2023. This is an unjust ruling and i demand evidence and proof of mailing that any documents of a ruling was sent to me pertaining to this ruling by plaintiff as stated in the ruling and by law. There was an arbitration clause between plaintiff and XXXX XXXX which should have led to an immediate dismissal of plaintiff 's claims. For the record I DO NOT have a signed contract and agreement with with said Plaintiff. My due rights process and rights to appeal this decision was denied to me by the court clerk on said date not filing all of my paperwork as well as offering me legal advice by stating that i " did not need to file all of that paperwork '' and not sending me ANY documentation of these proceedings and subsequent final ruling in order for me to appeal any such ruling I will be issuing a new complaint in relation to this response and uploading the documentation as proof of my claims stated herein. This court is currently committing securities fraud and the Plaintiff and its attorney are acting in concert in committing such fraud. The upload will be marked as stated " 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 2023-12-27 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
HIS IS AN ADDENDUM TO THE PREVIOUS SENT FEED BACK FOR THE CLOSE COMPLAINT # XXXX This response to the now CLOSED complaint feedback is necessary due to the fact that there are many discrepancies in the chain of events claimed within the COMPANY 'S RESPONSE and attachments submitted. I am asking the CFBP to reopen this claim due to the reasons stated herein and the NEWLY SUBMITTED ATTACHMENTS submitted with this complaint/addendum and feedback. For the record, I was never sent a copy of said adjudication by the Superior Court Judg assigned to this case, nor was I sent any documentation by the Plaintiff in this case. This court has made an error in stating that this motion was unopposed. See attachment of my rebuttal motion filed with the court on XX/XX/2023. This is an unjust ruling and i demand evidence and proof of mailing that any documents of a ruling was sent to me pertaining to this ruling by plaintiff as stated in the ruling and by law. There was an arbitration clause between plaintiff and XXXX XXXX which should have led to an immediate dismissal of plaintiff 's claims. For the record I DO NOT have a signed contract and agreement with with said Plaintiff. My due rights process and rights to appeal this decision was denied to me by the court clerk on said date not filing all of my paperwork as well as offering me legal advice by stating that i " did not need to file all of that paperwork '' and not sending me ANY documentation of these proceedings and subsequent final ruling in order for me to appeal any such ruling I will be issuing a new complaint in relation to this response and uploading the documentation as proof of my claims stated herein. This court is currently committing securities fraud and the Plaintiff and its attorney are acting in concert in committing such fraud. The upload will be marked as stated " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: PR

Complaint narrative:
i receive my consumer report and the law said 15 U.S. Code 1681b - Permissible purposes of consumer reports i dot not authorize this inquiry in my credit report XXXX XXXX  in XX/XX/2023 and this in violation of the fcra

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Report Number : XXXX Date Ready : XX/XX/XXXX Source : XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX NAVY FEDERAL CR UNION ACCOUNT # XXXX NAVY FEDERAL CR UNION ACCOUNT # XXXX These accounts are Chargeoffs, they have no scheduled due dates. Why are they being reported late every month? I demand that these accounts be deleted from my account Also These Organizations have CHARGED OFF these accounts. 
WHERE ARE MY 1099s RELATED TO THESE CHARGE OFFS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: GA

Complaint narrative:
Report Number : XXXX Date Ready : XX/XX/XXXX Source : XXXX XXXX ACCOUNT # XXXX DISCOVER BANK ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX These accounts are Chargeoffs, they have no scheduled due dates. Why are they being reported late every month? I demand that these accounts be deleted from my account Also These Organizations have CHARGED OFF these accounts. 
WHERE ARE MY 1099s RELATED TO THESE CHARGE OFFS?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. 5 unauthorized fraudulent accounts where opened 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 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 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 explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
i notices my account information was all wrong also my name was wrong which i believe they violated the privacy act of 1974 using third party 's with out my consent 15 usc 1681 b ALSO they have charge offs on my report which is considered a certificate of indebtedness which is income and need to be removed from my understanding its illegal to report transaction history, the company 's that has inquires on my report i gave no consent to report and i would like to opt out with all company reporting on my report except the three major credit bureaus 15 usc 6801/6805

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
The credit card I have is Cb indigo. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing

Company response to consumer: Closed with explanation