vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
I am writing to formally request the immediate removal of the account associated with XXXX XXXX XXXX ), which continues to appear on my credit report despite my repeated disputes. This account is unauthorized, as I am a victim of identity theft, and I have provided ample documentation and reports to substantiate my claim, including an FTC Identity Theft Report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), creditors are required to block fraudulent information upon notification of identity theft, which includes this account that does not belong to me. Additionally, New Jersey law ( N.J. Stat. 56:11-46 ) protects consumers against identity theft and mandates reasonable actions by creditors to avoid further harm to victims. XXXX XXXXXXXX XXXX  Experian and XXXX 's failure to address this matter constitutes a disregard for my rights under both federal and state laws. Please consider this letter my final notice to resolve this matter by removing the disputed account entirely. If this account is not promptly removed, I am prepared to escalate this issue with additional regulatory authorities to ensure compliance.

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 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have received calls and the company has left voicemails saying that I would have police come to my door if I didnt pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report that were inaccurate and I would like removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting a formal complaint against XXXX, Equifax and XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements under 15 U.S.C. 1681, specifically concerning the verification of an alleged debt on my credit report. Despite my request for validation, these entities have not satisfied their legal obligations to verify and substantiate the accuracy of this negative information. 

On XX/XX/year>, I sent a letter to XXXX XXXX XXXX XXXX requesting debt validation, including the full account history, documentation supporting the charge-off date, and proof that the negative reporting aligned with FCRA standards for accuracy and fairness. In accordance with 15 U.S.C. 1681e ( b ), which requires furnishers to ensure maximum accuracy, I asked the Credit Union to provide the following : 1. A comprehensive account history with all payments, charges, and delinquencies.

2. Documentation supporting the charge-off date and the 48 months of negative reporting.

3. Verification that the reported information complies with FCRA standards for fairness and accuracy.

The Credit Union responded but failed to provide any supporting documentation, citing an issue with my address despite it being correct and matching the one on my letter. This refusal to substantiate the debt and verify its accuracy violates their responsibilities under FCRA 611 and 623 ( a ) ( 1 ) ( B ). 

In addition, XXXX reinserted this disputed item on my credit report, claiming it had been verified, without ensuring the necessary validation. This violates the reinvestigation requirements under FCRA XXXX ( a ) ( XXXX ) ( B ), which obligates credit bureaus to ensure data accuracy and to confirm verification from furnishers. XXXX action of reinserting unverifiable information further fails to meet FCRA standards. 

Enclosed with this complaint are : A copy of my original letter sent to XXXX XXXX XXXX XXXX on XX/XX/year>. 
A copy of their response, which fails to provide any documentation substantiating the alleged debt. 

I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate XXXX XXXX XXXX XXXX and XXXX for their failure to provide verification as required under the FCRA. 
2. Mandate the immediate removal of this unverifiable account from my XXXX AND Equifax credit report. 
3. Hold both entities accountable for their failure to comply with federal reporting laws and any applicable penalties for non-compliance. 

Due to the clear failure to verify this alleged debt in compliance with the FCRA, I am seeking full removal of this account from my credit report. I trust the CFPB will intervene to protect consumers from unlawful reporting practices that affect credit scores and financial stability. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez, acting as a mortgage service company, erroneously placed Lender Placed Insurance ( LPI ) on my home mortgage loan, and in so doing attempted to force me to pay an additional {$340.00} monthly fee to cover the cost of the escrow they established to pay for the LPI. 

During my previous complaint against this company regarding this issue, they made numerous false statements, specifically producing letters they alleged were written and mailed to my XXXX XXXX insurance agent and myself, forewarning us of their intent to implement LPI. However none of these letters were ever received by my agent or myself. 

They continued their response to my CFPB complaint by saying they did not receive proof of insurance until XX/XX/year>, which was the excuse that was used to establish the LPI to begin with. After reading their response, I contacted the Newrez Insurance Compliance Department on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX and spoke with an insurance representative on a recorded line ( see document attached ) that stated that Newrez received proof of insurance for this loan on ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. He also confirmed that the earlier proof of insurance that was mailed to the Newrez Texas address instead of the Michigan location, had also been received. So with this information, it became clear that Newrez had no reason to ever place LPI. 

Now as I continue to make my regular monthly payment in full and on time, Newrez shifted from charging me a monthly LPI escrow fee, to now applying late fees every single month. This is a result of my not paying their inflated monthly payment to cover the LPI escrow, which again should never have been created. So they are basically attempting to penalize me for not paying their inaccurate statement amounts. 

To compound the damages they have already caused by making me expend dozens of hours writing letters and filing complaints, they are now reporting false information to all three Credit Reporting Agencies by showing an inflated Past Due making it appear as if I am over 30 days delinquent even though they continue to cash my checks every month. This has caused my XXXX XXXX XXXX to plummet XXXX XXXX XXXX in one month, from a perfect previous score in XXXX XXXX XXXX. There is only one derogatory item on any of my three of my credit reports, and it is Newrezs false reporting in gross violation of the Fair Credit Reporting 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 2024-11-05 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 am contacting you to request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. I am a victim of a recent data breach that resulted in unauthorized accounts being opened in my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent items be removed from my file. 
The details of the unauthorized accounts and inquiries are listed below : Fraudulent Accounts 1. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1000.00} XXXXXXXX XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$680.00} XXXX. XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$820.00} XXXX. XXXX  - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXXXXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$950.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$780.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2100.00} Unauthorized Inquiries 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-05 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: FL

Complaint narrative:
I am writing to formally request verification of the following accounts that appear on my credit report, as allowed under Section 609 of the Fair Credit Reporting Act ( FCRA ). The information below appears to be inaccurate, and I am requesting proof of verification to support its continued presence 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 2024-11-05 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: NY

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. 


I looked at my Experian credit report on XX/XX/XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( XXXX ) of any information disputed has violated my rights. 


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 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

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 2024-11-05 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: PA

Complaint narrative:
Obtain receiving and reviewing my consumer report. I noticed inaccuracies in my report. This is a clear violation of 15 usc 1681 b which states 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 subchapter. For account # XXXX XXXX TransUnion have this account late on XX/XX/XXXX until XX/XX/XXXX and XXXX have this same account late from XX/XX/XXXX until XX/XX/XXXX this is the same account it is two different start dates of the late payments. Which make the information on my report inaccurate. This is not an attempt to verify no 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The following account is missing from my consumer report I do not understand why it is missing XXXX XXXX XXXX XXXX is an auto loan that was opened XXXX XXXX XXXX  Term 72 months XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Please refurnish this account information onto my consumer 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 2024-11-05 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
Per 15 USC 1681c-2, unauthorized hard inquiries are affecting my credit report. Please remove these inaccurate entries as they harm my score. Thank you!

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 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I requested a dispute investigation into the item associated with Ability Recovery Services, as I believed it was not being reported accurately. On XX/XX/XXXX, I received a partial response from XXXX, stating that this account was deemed accurate. 

However, I am requesting additional information regarding the methods used to verify this account and the documentation supporting its accuracy. 

Please answer the following questions : 1. What certified documents were reviewed to conclude your investigation?

2. Please provide a complete copy of all the information transmitted to the data furnisher as part of the investigation, as required by the Fair Credit Reporting Act ( FCRA ). This should include : Who did you speak with? 

What was the date of the communication? 

How long was the conversation? 

What was their position? 

What number did you call? 

What is the name of the employee that spoke directly to the creditor? 

What is the position of your employee who spoke to the creditor? 


XXXX. Additionally, please provide all documents containing my signature that demonstrate any obligation to owe Ability Recovery Services the amount of {$1500.00}, opened oXXXX XXXX XXXX XXXXXX/XX/year>. This should include any original agreements, contracts, or acknowledgments that bear my signature and substantiate this debt. As per the FCRA, Section 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation and provide supporting evidence. If no such signed documentation exists, I request that this item be deleted from my credit report with all credit bureaus, as unverified debts can not be reported. 



Please reply within 15 days to the above questions or delete the item. I have a legal right to an accurate credit report under 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 2024-11-05 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: NC

Complaint narrative:
I have been trying to get Equifax to correct my credit report for a year now. The name on my report isn't correct and they are reporting fraudulent accounts on my credit report despite me send letters, calling and send in my police report and ftc documents. I have even taken the steps to try reaching the creditors but no response.

Company response to consumer: Closed with non-monetary relief