vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your assistance in resolving a matter of utmost importance concerning my credit report. I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been egregiously violated by the following creditors : XXXX ( XX/XX/XXXX ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX  Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX  ( XX/XX/XXXX and XX/XX/XXXXXXXX  ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX  Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX ( XX/XX/XXXXXXXX  ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX XXXX Account Number : XXXX Violations : Account Not Belonging to the Consumer Applicable Law : FCRA Section 611 ( a ) XXXX  ( XX/XX/XXXXXXXX  ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) These creditors have committed these violations, which have had a profoundly distressing impact on my life. Allow me to share a detailed and emotional personal story to illustrate the toll this situation has taken : I am writing to request the full enforcement of the FCRA and the removal of these unverified accounts from my credit report. These inaccuracies have not only compromised my financial well-being but have also had severe emotional and psychological consequences. I implore the CFPB to take swift and decisive action in rectifying these violations and holding the creditors accountable for their actions. 

I kindly request that the CFPB investigate this matter thoroughly and ensure that my consumer rights are upheld. I also request that you communicate with the creditors involved and compel them to remove the inaccuracies and unverified accounts from my credit report without delay. 

Thank you for your attention to this matter. I look forward to a prompt resolution that will alleviate the burdens I have endured due to these violations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: UT

Complaint narrative:
See attached, this item was charged off and has EXPIRED now past the legal 7 years it's required to remain on my credit! It expired in XX/XX/2023 yet here it is XXXX and it remains on my report. It DOES NOT MATTER that it was transferred to some other agency or whatever. This is the only debt that shows and it is NOW EXPIRED!!!!! It's time for you to remove it or risk being sued. I have several old negative accounts on my credit that have all expired and you've left them on my credit including Lendmark which expired LAST YEAR!!! Get it the XXXX off of my credit or risk being sued! Think I'm playing? Try me!!! I have all of the black and white proof even the reports showing how you illegally changed dates on my reports on negative and good old accounts, refreshing them and lowering my FICO. I've had enough so it's time to take legal action for violation of the FCRA laws if you refuse to remove these expired accounts!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Im on loan modification for 1 year now, they stopped taking auto pay out I call monthly to pay so it isnt late. I believe they want to take my property. This month they report to credit bureau my balance went from XXXX to XXXX but my mortgage is paid on time no late fees. How would balance go up when I also pay additional XXXX XXXX monthly just towards principle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
The company does not have a contact number via my credit report. XXXX has confirmed this also each of the 6 times I disputed the account. I constantly request to have a bill sent to my house or email or even a phone call. But i never get anything. I dont know this creditor. Ive never heard anything about them or from them. There is no contact information. This was not me. The amount for {$590.00} thats saying I owe, I do not. I dont not know this fraudulent company nor how they got my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I need these inquiries investigated and I require written proof of authorization. 

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  Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX Account Number : XXXX Update to paid as aggree 5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 10. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: 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.

has violated my rights. Or list of inquiries 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 2023-09-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt.

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct.

Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all Information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to any credit reporting agencies immediately.

Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA.

All future communications regarding this alleged debt should be directed to me in writing to the address provided above. Phone calls or any other form of communication will not be accepted.

I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by Equifax. In XXXX of XXXX, I identified multiple inaccuracies on my credit report and disputed them immediately. I found multiple mistakes on payment dates, the number of days late on payments, dates of first delinquency, and account numbers. I printed out the report and circled all of the inaccuracies and sent them in with my dispute letters. Per the FCRA, the bureau must conduct a proper investigation, which includes contacting the data furnisher directly to obtain specific documents, such as the signed original instrument of indebtedness, that verify the accounts belong to me. I do not believe a proper investigation was conducted. Any human who examined those documents would have clearly seen these inaccuracies that I pointed out and either corrected them or deleted the accounts in their entirety. This was not done. I believe that Equifax scanned my personal financial information through a third-party system called e-Oscar without my consent. This violates my right to a proper investigation of my disputes. Equifax has failed to produce a single document proving that the disputed items are being properly reported on my consumer file. Most egregious of all, Equifax is aware that they only have 30 days to conduct an investigation and respond to a dispute. If they fail to do this in 30 days, they must delete the disputed items from the consumers credit report. Equifax failed to respond within that time frame on two separate occasions, but they refused to follow the law and delete the disputed items. I have been fighting them for over two years to correct these violations, but Equifax has outright refused to follow the law. It has been so long that many of the accounts that I disputed have now reached both the federal and state statute of limitations, yet Equifax still refuses to follow the law and remove them. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. I have done my due diligence and made sure that Equifax was made aware of their violations of the law and was given a chance to fix them. I have amassed sufficient evidence to prove my claims and will attach some of it to this complaint. At this point, after all these years, If Equifax does not remove the disputed items from my credit report, I will have no choice but to take legal action to resolve my grievances. So, two and a half years later, I am looking forward to taking you to court and finally putting an end to this nonsense. The paperwork has already been pulled, I have consulted with counsel, and our demand letter has been drafted. This is the final chance to avoid litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Paid my loan off a year ago. BMW financial has yet to provide me my title. They say they released it, but they will not take any responsibility for furnishing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
US AUTO SALES SOLD ME A LEMON.. transferred to Westlake portfolio management .. vehicle was repossessed because payments and warranty was not sent over to company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We had a foreclosure sale dated XX/XX/XXXX. We filed a motion to extend the sale date and there was a Home ( XXXX XXXX XXXX ) meeting on XX/XX/XXXX and the judge agreed to extend the sale date to XX/XX/XXXX. On XX/XX/XXXX the judge signed the order to extend the sale date for 30 more days, and it was furnished to all parties thereafter. On XX/XX/XXXX a copy of the original short sale request was submitted a second time along with the judges order to extend the sale date. 
The bank later sent a letter to all parties advising us, that they had insufficient time to perform their review and therefore did not provide us with the short sale approval letter. 
The bank has been doing this for several years, whenever we sent documents that they requested they would wait until those documents expired and then send a new request. By doing this, we keep losing prospective buyers for the properties. This is so wrong. We are at the point where they are planning to foreclose on the property. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I started with Lexington Law after speaking to one of their representatives in XXXX. Rep confidently promised me that my score would be in the XXXX in the matter of a couple of months for a simple fee of $ XXXX a month, I payed Lexington Law for a long time and absolutely nothing changed due to their actions or lack thereof. Lexington Law continued to bill my debit card and account even though they werent doing anything to change my circumstances of identity theft etc. late fees and all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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:
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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX, XXXX. 
To Whom it my Concern. 
At XXXX XXXX XXXX  XXXX XXXX XXXX with residency at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Driver license XXXX XXXX XXXX XXXX XXXX Florida State. 
To be on my situation is necessary to count with your valuable help in order to communicate the mortgage company as soon as possible in regard the negligence they been acting in my reputation and negative report on my credit. 
My mortgage payment was in default since XX/XX/XXXX, at that time I was assigned to be working outside the country.The mortgage was sold to XXXX XXXX and the Automated payment was not transferred to them, and I was not aware of it until they send a sherif notice and my neighbor communicated with me.As soon as I knew it I came to the country and I paid all late payments and fees that the new mortgaged company requested me, and not matter that they reported me and after many requested from me through a good will letter to them to deleted it, it had not been posible. 
What happened in this case my old mortgage company XXXX XXXX, XXXX obligation # XXXX sold this loan to BSI Financial Services without transferred the Automated payment that it was previously settled with them so it was to confused, till BSI started legal action in this regard. 
On my side I took the corrected action contacting BSI, at the same time with their Law Firm in order to put my loan currently, paying legal fees and interest due to the late payments. 
Now BSI sold my loan again, XXXX XXXX loan # XXXX at this time I was notified with time to comply with this obligation. My loan at this time is agehad on payments till this coming XXXX. 
BSI Financial Services has been so neglected in regard with negative report to a different credit report agencies, in my many calls I been requested to take out this negative action on my credit report, but up to this date the negative report still. 
Please help me out in this matter, the problem still going on, I need help my sister with my good credit in order to get a loan to buy her house for your help and understanding in this matter I express my thanks. 
Please request BSI Financial Services to send a physical report saying my name is free and clear for any negative report or obligations with that institution.But it needs to be deleted from my report because if not I can not to do any finantial negotiation. 

XXXX XXXX XXXX Electronically signed

Company response to consumer: Closed with explanation