vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
In XXXX, due to separation and divorce, and failure to sell the home resulted in a foreclosure with the home being sold in a Trustees sale in XXXX. Much like any forclosure, the sale amount awarded was not enough to cover the loan amounts. Because Arizona is an anti-deficiency state ( A.R.S. 33/814 ( G ), the amount not covered was charged off/discharged. In XXXX of this year, XXXX, I discovered through my credit reporting site that XXXX XXXX XXXX was coming after us for the deficient 2nd mortgage loan balance which was handled by Specialized Loan Servicing. I was completely shocked and taken back by this, as I had put this unfortunate event behind me since it had been nearly 5 years after the fact. In my shock, concern, and collection ignorance, I contacted and paid XXXX XXXX XXXX  the sum they agreed to settle for. I am filing this complaint because I am trying to purchase a new home and due to the way this was updated/unfolded, it has negatively impacted my credit standings with the bureas. Specialized Loan Servicing sold the debt to XXXX XXXX XXXX ( a licensed collection company, not a mortgage loan provider ) which updated the mortgage load to a current time " negative '' status, which has now voided my forclosure seasoning to purchase. This is clearly a violation or the FTS 's FDCRA. Because of erroneous and deceptive collection tactics and practices, this tradeline needs to be removed from my credit profile with the bureaus.

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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have notified XXXX and Equifax that they have incorrect personal information on my reports. I have notified them on XX/XX/2021 XX/XX/2021. Both credit bureaus have fail to update my personal information. I am highly concerned that this may expose me to identity theft. 

I have provide copies of my DL and utility bill that shows my correct address and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I requested a title loan from loan mart on XXXX XXXX. I was informed by the representative XXXX XXXX that I could pay off the loan early at any time. However, when I went to the website I could only pay less than {$10000.00}. I contacted loanmart again and they instructed me to send a cashier 's check to the address located on my loan documents XXXX XXXX XXXX  c/o LoanMart XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I sent certified mail including the {$10000.00} cashier 's check with USPS tracking number XXXX on XX/XX/2021. I called loanmart to check on the status of the check and they said nobody had gone to pick it up-spoke to XXXX XX/XX/2021. On XX/XX/2021 called loanmart again and spoke to XXXX and he informed me that they would be picking it up that day and will post 1-2 days. After several days nobody from loanmart picked up the check and it was scheduled to be returned to the sender. I called loanmart again and they said I sent it to the wrong address ; however I told them the contract specifically states to send it to that address which the agent I first spok to had informed me as well. On XX/XX/2021 I spoke to XXXX and this agent stated that I need to send it to another address and that pay off checks should have been sent to a different address. He also informed me that they don't do any pick up at the po box . but he would inform management to make an investigation as to what had happened and why was i not given the correct information, that if it was laonmarts mistake they would definitely correct it and not charge me the interest accrued. 
On XX/XX/2021 I spoke to XXXX and explained my situation and he informed me what he also had on the notes, and given the situation and missed information that loanmart would honor the payment and the payment date. I contacted USPS to re-route it however they stated it needed to be returned to sender and I gave them my address. Along the way my mail got sent to Virginia and I requested an investigation. As of today XX/XX/2021 the investigation is ongoing and loanmart has threatened to dishonor the payment and the payment date since it has been several days which is out of my hands

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings
State: NC

Complaint narrative:
Since XXXX XXXX I have communicated with all 3 credit bureaus that these accounts are fraudulent. I have filed an FTC report and still remain unheard with no success. I have taken several necessary steps and even reached out to Furnishers themselves. I have disputed again on XX/XX/2021. Finally An FTC report was filed on XXXX XXXX. I have been told an investigation has been verified. However, when I continue to contact them with proof and request that these accounts be removed I am told that this will be looked into. This has put a halt on acquiring new credit and it is putting a major hinderance on my ability to support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, 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 XX/XX/2015 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX, FL XXXX these addresses are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it.

EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX XXXX a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX FOR THE AMOUNT OF {$65.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened on XXXX XXXX XXXX, XXXX XXXX opened on XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2020 XXXX ran a hard inquiry on my credit report. I called XXXX the day I got the day the alert came from the Credit Bureaus that my credit was ran. I spoke to XXXX, she advised me it was an error on XXXX 's end. She provided me with the address to get the dispute taken care of. However, she told me I will need to wait a few days because the application she found didnt have an account number attached to it and I will need it to dispute the hard inquiry. After, I didnt receive anything with an account number, I called back on the XX/XX/XXXX and rep was able to close the account but still was unable to provide me an account number. 

I have written several letters to XXXX and the three credit bureaus ; XXXX, Equifax and XXXX. XXXX has removed the inquiry because of the fraud that happened and have placed a fraud alert on my account since XXXX of 2020. However, XXXX and Equifax is refused to remove the inquiry even though the inquiry is marked as fraud. 

I reached out to the police department and they advised because I never recieved a card, it isnt a crime. So I couldnt file a report. I was advised to reach out to CFPB to get a report filed and try to get it removed this way. 

As a consumer I need some help to get this fraud off my account. I am tired of large companies being bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DataMax Corporation
State: NC

Complaint narrative:
15 USC 1681, my privacy and medical records was shared with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Experian is inaccurately reporting a collection account on my credit report which doesn't belong to me. This same account has been disputed with XXXX. XXXX investigated and deleted it. I learned of this erroneous inaccuracy on my account when my credit was pulled for a Mortgage Loan application. This erroneous report has negatively impacted my credit worthiness. Experian violating my consumer rights protected by the FCRA, 15 USC 1681b ( a ) ( 2 ) " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consumer who it relates to. '' This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
15 USC 1681, my privacy and medical records was shared with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/XXXX XXXX a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX FOR THE AMOUNT OF {$65.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened on XXXX XXXX XXXX, XXXX XXXX opened on XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX  AND TRANSUNION ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Dear Sir or Madam, We are filing this complaint and ask that you answer the following questions, see enclosed attachments. Please note, we have sent Planet Home Lending a numerous amount of correspondence asking the same questions and have not received your ( Planet Home Lending ) response. Year to date, those questions remain unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
On ( XXXX, Midland Credit Company Profile add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, 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:
on XX/XX/XXXX XXXX a charge-off account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$5.00} ,XXXX  to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : SXXXX XXXX XXXX XXXX I opened XX/XX/XXXX XXXX FOR {$5800.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX for {$0.00}, XXXX  opened XX/XX/XXXX XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I recently just obtained a copy of my credit report. This letter represents a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate, according to 15 U.S.C 1681, fair and accurate information must be reported to the credit report. The person to whom the alleged debt belongs to is not me. I am demanding validation of this debt according to 15 U.S.C 1692G, I am demanding that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. This inaccurate information is a mistake on your company or the reporting creditors part. Because of the mistake on my credit report, I have been wrongfully denied for credit recently, which was highly embarrassing and impacted my lifestyle. Additionally, and reporting this debt to the credit bureaus prior to allowing me to validate it may be a violation of the FCRA ( Fair Credit Reporting Act ) which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removed from the credit bureaus

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