vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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 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 2024-04-02 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is refusing to remove unauthorized inquiries that were made while I was in the hospital without my authorization. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The other credit reporting agencies helped me but Transunion has refused to remove the inquiries.

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 2024-04-02 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: GA

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 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 2024-04-02 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:
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 2024-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The company is ComenityCb/XXXX I paided this account in full XX/XX/XXXX {$75.00} total due on my statement. XX/XX/XXXX I received a bill from XXXX stating I owe {$14.00}. I call them and ask why Im I receiving a bill 3 months later, when I paided total amount due? The representative said that is Interest due, I said I dont have account with XXXX anymore I paid full amount due in XXXX. Now they are putting this on my credit as being late and adding late fees. This is so wrong after 3 months saying I owe interest fees why wasnt the interest added on my last balance? Will someone please help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-02 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: CO

Complaint narrative:
XXXX XXXX XXXXXXXX open XX/XX/XXXX This account keeps showing back up on my report. this account was deleted due to ID THEFT XX/XX/XXXX SEE attached proof report # XXXX. 

The attached report dated XX/XX/XXXX report # XXXX that experian sent me CLEARLY show this account as DELETED. 

EXPERIAN needs to provide me the method used to verify this account as accurate. 

EXPERIAN keeps updating the date on this account which makes it even worse since it makes it appear that this debt is current. EXPERIAN need stop reporting this ID THEFT account and STOP it from reappearing on my account. XXXX and XXXX do not report this account. 
EXPERIAN stop reporting INACCURATE information.

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 2024-04-02 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: MI

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX  XXXX  # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On Experian this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( 4 yrs, 5 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately

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 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
CKS Prime Investments purchased an old credit card debt. They did not notify me or give me 30 days to validate debt. Instead referred directly to an attorney. My wife recently got served for an old credit card debt also owned by CKS Prime Investments in which she never received any communications from CKS Prime Investments prior to sending to an attorney.

CKS Prime Investments is taking extremely predatory and abusive steps to collect debts using legitimate attorneys as tools to collect while not following laws set forth by the fair credit act.

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 2024-04-02 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: River Heights Capital LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to my bank XXXX to withdraw money. I was informed a writ judgement was placed on my account and my children account. I was given a telephone number to call XXXX XXXX XXXX  XXXX XXXX XXXX. I called and have been calling. I spoke with XXXX XXXX today XX/XX/XXXX. I told him I spoke to a representative at XXXX XXXX bank XXXX XXXX @ XXXX. XXXX used my date of birth and social security number to search for a default on a loan or credit card in my name. XXXX could not find any account with my information on it. I do not owe XXXX XXXX. XXXX told me I do owe and I Should not be calling XXXX XXXX because he represent XXXX XXXX bank. Which I do not owe. XXXX XXXX advised me the judgement is from River Heights Capital LLC Today.Which company is it? This do not make good sense. XXXX XXXX also told me I am being sued for {$12000.00}. I filed a police report for identity theft because, I do not owe none of the above. I want my money back from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is doing a false claim against me. I have a right to ask questions about anything concerning me and my finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I contacted Specialized Loan Servicing on XX/XX/year> at XXXX XXXX XXXX XXXX and asked to have my same exact autopay updated to a new account number ending in XXXX with no other changes. The agent repeatedly confirmed that my amounts would draw exactly as they had done so, whereby my payments had been pulling a month early. For example, on XX/XX/XXXX, my autopay pulled for my XXXX payment. However, Specialized Loan Servicing did not process this correctly. It is XX/XX/year> and they never pulled my XXXX autopay for XXXX. 

Specialized Loan Servicing has done this every single time I have made even the slightest changes to my autopay as chronicled in multiple other CFPB complaints.

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 2024-04-02 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX, I am submitting this myself this isnt under any influence nor from any third party. Transunion has been showing an inaccurate credit report for me in their systems. I have complained numerous times for them to fix the situation but the problem has not been resolved. I have tried to get this resolved because there is an unauthorized inquiry in my Transunion report from XXXX, XXXX 2023 from XXXX XXXX. Ive spoke with XXXX, XXXX and XXXX from the fraud department and I prefer to speak to a US rept but they refused they had me waiting for over XXXX min in each call. This is not how you treat an individual. This is unauthorized and should be removed due to Transunion reporting false information on my 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 non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I checked my credit report, noticed there was a collection reporting from I.C. SYSTEMS INC, opening XXXX XXXX XXXX  with a past due balance for XXXXXXXX XXXX XXXXor the amount of {$250.00}. I am not liable for this debt with XXXX XXXX. I do not have a contract with I.C. SYSTEM, INC they did not provide me with the original contract as I requested

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PERSONAL INFORMATION WAS STOLEN IN A NIGHTCLUB XXXX, AND I WAS ADVISED TO CONTINUE TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have my current Credit Report and I saw that the inquiries that I requested to be removed are still reporting and no one even sent me a response the reason of why Experian have not remove this from my credit file. I am reaching out to highlight my serious concern about these fraudulent inquiries that are reporting in my credit profile. I didn't have any knowledge nor did I authorized these companies to have my credit report pulled for whatever their purpose is. This is a breech on the security of my data. Please have them block all unauthorized and fraudulent inquiries on my file. Here is the list below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
Unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
Unauthorized inquiries on 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 2024-04-02 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: FL

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 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 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I had received a letter from one of their litigation specialist : ( attached is his email of XX/XX/2021 ) confirming my next payment is on XX/XX/2021 with a reduced payment of {$370.00} I tried to get hold of him but was not able to. I just made an assumption that it is good for at least a minimum of XXXX months. By XX/XX/2021, I got some help to get back to paying my normal monthly due of {$390.00}. 

XXXX XXXX Loss Mitigation Specialist 1 Dovenmuehle Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX O : XXXX Ext. XXXX The bank held my payment in suspense because it was short of little over {$20.00}. No principal payment was made and the bill statement shows it was applied to interest payments only. That means if I was not wrong, my interest went through the roof. To this date I have got a chance to review if my loan balance is accurate. 

I have not missed any single monthly due. ( XXXX XXXXXXXX XXXX Bill faxed to the collection departments the documents showing with date paid them and the amount ). Now, because the Principal portion payment of {$370.00} was unapplied against the principal, the bank claims I am behind and started charging me {$19.00} each month since then going on for 4 years now. The Collection Dept never miss calling to collect too.

I have written the bank lot of times to iron out the confusion and requested for reversal of the late fees. But they responded no, because their fees are valid.

Now, I have a notice of breach of Contract. Not sure if my loan is being called out or I am in the process of foreclosure.

In total there is only short payment of little {$60.00}. Why can't the bank just add it back to the balance of the loan but instead keep charging {$1900.00} and wanted me to pay extra month that I am supposedly behind?

Company response to consumer: Closed with explanation