vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A financial institution by definition under that title.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is now revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Tue XX/XX/XXXX XXXX PM My spouse and I have been deeply troubled and experiencing heightened anxiety due to the ongoing and imminent risk of having our cherished residence subjected to public auction by the debt collection agencies XXXX XXXX XXXX XXXX XXXX in XXXX, Texas, and XXXX XXXX XXXX in XXXX, California. 

Our initial home purchase took place on XX/XX/XXXX, during which we, inexperienced in real estate matters, placed our trust in the loan agent and the bank. 

Regrettably, our mortgage arrangement consisted of both a primary and secondary loan. The XXXX percent down payment, totaling over {$30000.00}, was not specified in the loan documentation. Furthermore, the secondary loan amount of {$34000.00} was unlawfully transformed into a HELOC account, without my knowledge or consent, resulting in a modification to {$90000.00} on XX/XX/XXXX, in collaboration with the New York Bank XXXX XXXX and XXXX XXXX XXXX 's name on falsified documents. 

Subsequently, a further fraudulent transaction occurred on XX/XX/XXXX, amounting to an additional {$90000.00}, bringing the total to {$180000.00}. None of the loan agents involved in these deceitful transactions, including the XXXX XXXX XXXX XXXX XXXX, have been held accountable. 

Despite our efforts, no individual has been identified as responsible for these deceptive practices. Authorities, including the FBI, have cited statute of limitations issues, hindering the pursuit of legal action. 

Multiple complaints were filed with various regulatory bodies and financial institutions, such as the Federal Trade Commission, the California Attorney General 's Office, and the Consumer Financial Protection Bureau. However, the response from Bank of America Resolution Specialists and relevant personnel was perceived as inadequate and uncooperative, despite compelling evidence of fraud presented during investigations. 

Subsequently, we engaged the services of a real estate attorney, who affirmed the injustice of the debt collector 's pursuit of {$180000.00} upon reviewing the documentation, highlighting discrepancies in loan eligibility criteria and documentation integrity. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Firm, XXXX. have persistently threatened foreclosure and auction of our property, causing significant mental distress, financial hardship, and emotional turmoil for our family. 

We seek resolution and restitution for the distress caused by the fraudulent actions of Bank of America employees. This situation has inflicted severe mental anguish, and financial strain, and disrupted our peace of mind. 

Sincerely, XXXX XXXX and 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 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
There is always accurate reporting of my Loan balances and Credit Card payment resulting in delayed Credit Score update on 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 explanation
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
I filed a complaint about some fraudulent accounts on the XXXXXXXX XXXX XXXXXXXX, but it was never processed. I dont know why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Letter emailed XXXX Us. Department of Education XXXX XXXX XXXX XXXX, TX XXXX Greetings U.S. Department of Education XXXX This letter is in response to a recent statement that I received. On XX/XX/XXXX a certified letter ( # XXXX XXXX XXXX XXXX XXXX ) was mailed to Maximus Inc.XXXX XXXX XXXX, XXXX, VA XXXX. The envelope included a payment in full for the principal balance and a transfer of principal to the specified XXXX, instruction letter and a 1099C. 
Please reach out to the two companies that are trademarked with the U.S. Department of Education. Both Maximus/Aidvantage were listed on 1099 C and on my credit report.

Moreover, I am also bringing to your attention the Metro 2 Reporting Guidelines, which govern the reporting of credit information. It is essential that you adhere to these guidelines to ensure the integrity and reliability of credit reporting data. 


After updating my account paid in full, current and excellent payment history, please notify me within 15 days. I have received 2- 1099 B from Maximus who has my Treasury Direct Account information for interest payment deposits.

I did apply for the student loan forgiveness. 

As we know all accounts are prepaid and payments and interest from accounts must be returned to consumers/holders in due course by law. My bank account information is the same on file to receive or mail to the above address. 

I have spoke with XXXX on XX/XX/XXXX that asked to give mor time to receive the information from partner Aidvantage. 

XX/XX/XXXX I spoke with XXXX who also stated she is not sure principle why account account balances are not reflecting credit and XXXX balance. Instead interest is being added every month to and balance that has been offset. 

On XX/XX/XXXX 1099c submitted to irs thru XXXX Ref # XXXX-Aidvantage-US Dept. of Ed. 

Per the Us Dept. of Ed, both Maximus and Advantage are 3rd parties affiliate 's that work with US Dept Ed and have both now received double payments to credit and offset account to XXXX balance. 

student loan numbers # 's on XXXX XXXX XXXX {$24000.00} XXXX aidvantage - {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NC

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/2024 Consumer Financial Protection Bureau Attn : Consumer Complaint Database XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Removal of Inaccurate Collection Accounts and Charge-Offs Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to bring to your attention the inaccurate reporting of collection accounts and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate and intervene to ensure the removal of these inaccuracies from my credit report. 
According to my recent credit report, there are several collection accounts and charge-offs that are inaccurately reported. These erroneous entries are damaging my creditworthiness and may hinder my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities. 
I am aware that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have these errors promptly corrected or removed. The FCRA mandates that credit reporting agencies and data furnishers must conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. These are the accounts below. 
XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, USDOE/XXXX # XXXX, XXXX, Account # XXXX XXXX 
I have attached copies of my credit report highlighting the inaccuracies in question. I request that the CFPB investigate these discrepancies and take appropriate action to ensure these inaccuracies errors promptly corrected or removed from my credit report. These are the accounts below. 
XXXX Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX I trust that the CFPB will handle this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. I appreciate your attention to this issue and look forward to a timely resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX, XXXX [ Attachments : Copies of credit report highlighting inaccuracies ]

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 2024-03-19 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: VT

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: VT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
2003 I signed a loan agreement with credit acceptance. I was at the end of my payments. When I fell into financial trouble. I was a week late paying the car note. The car was reprocessed while I was at work. Credit acceptance told me I had roughly XXXX dollars left to pay the car off. But I couldn't afford to pay it in the time allocated. The XXXX was sold at an auction. I was left paying the remaining balance without a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: VA

Complaint narrative:
Hello, I had a loan with XXXX XXXX XXXX that was sold to a company called XXXX. I've been using autopay and have made at least XXXX installments to them as I did with XXXX XXXX. I noticed today that my old XXXX XXXX loan was still on my line of credit and this XXXX loan is not there. There's no reflection on my credit report that I've been making payments and now I'm wondering if this company is even allowed to demand money from me? I would like to pay everything off but I feel like are not reputable and do not want to send my money somewhere wrong.

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 2024-03-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I spoke with Experian Fraud Department and disputed personal information, inquiries and XXXX  accounts reported inaccurately or should not be reported at all. I provided a copy of my social security card, drivers license, and FTC Report by uploading it online through Experian. The inquiries were deleted immediately. My name was corrected due to my name was reporting incorrectly. The representative did receive the my documents submitted online on XX/XX/XXXX, which is why he was able to continue with the dispute submitted. 

XX/XX/XXXX, I received an email of dispute being completed and ready to review. They sent me a report number to review the status of the XXXX accounts that were disputed and they were all deleted. 

XX/XX/XXXX, I received another email stating that they reinserted the accounts for no reason. They stated that it was never deleted and its pending. I explained that it was deleted and I have the email and credit report to prove it and requested them to delete them. They refused. I asked to be transferred to the Experian Fraud department and was transferred to XXXX in the fraud department. She stated that she didnt see the report show any deletion and Ill have to wait XXXX  days. I gave her the report number showing where it was deleted and she changed the status to pending status. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. Experian willingly and intentionally reinserted these accounts and could not give me a valid reason. I was told they had system issue and lied and said that I provided more information after it was deleted, which was untrue.

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 2024-03-19 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: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing ( SPS ) took over my loan on XX/XX/XXXX. I had no issues with my forbearance loan since XXXX with XXXX XXXX. In XXXX I contacted SPS about my mortgage payment going from {$1700.00} to {$6500.00} per month ( due to an inaccurate escrow analysis ). To date, SPS did not perform another escrow analysis. My payment for XX/XX/XXXX is {$6500.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with explanation