vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: TN

Complaint narrative:
I looked at my credit report early last month and noticed names, addresses, phone numbers, and accounts that were not mine. I started the dispute process with each creditor and all but one agreed that it was not mine. One agency allegedly verified that it was in fact my debt. I called them to determine how they decided it was my debt, and they confirmed with me that my name and social is not in their system having any debt with them. 

During my research I noticed that all of these accounts that were not mine were added to my Experian credit report on a single day. When I asked Experian representatives how this could have happened and why someone from California with a long history of good credit and no association to any of the locations where the bad accounts were from could suddenly have this amount of bad information added at one moment and this not cause any sort of alarm bells or investigation on their behalf, they refused to give me an answer.

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 2024-10-07 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
New Rez intentionally delays the recast process. The customer success team all has a different story on how to do a recast and pay down your loan. Website portal useless for recast process. Fax number on the forecast auth form is not the right number I was told after faxing the " recast authorization form '' to that number. I was told to use a different fax number. I used that one. They still did not receive. I was told that I could upload it online and so I sat there with the customer service guy to how me where and there is no place online to upload it. He was mystified. Then i was told to email it. I will try that. Throughout this whole process there is no proactive notification - no texts emails, or anything in portal - only way to know status is to call in and check. One time I was given a ticket number over the phone and New Rez said that I would receive a pice of physical mail with the status of my ticket (!? ) Typically a company with support will have support online with ticket history. End of the day the entire " recast authorization form '' debacle is easily something that could just be online if new rez was interested in people recasting- but they aren't they are interested in delaying and blocking the process from what I can tell.

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 2024-10-07 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, vio
lating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Nc. XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX  XXXX XXXX, Tx. XXXX Subject : Notice of Dispute for Charge-Offs Dear Experian, I am writing to formally dispute three charge-offs listed on my credit report that have been verified through both a provisional investigation and a reinvestigation. Despite these processes, the items in question remain marked as verified, which I believe is inaccurate and unjust. 
The charge-offs I am disputing are as follows : XXXX  # XXXX Last reported are inaccurate see exhibit ( A ) Delete this account for inaccurate reporting. 
XXXX XXXX # XXXX Date last active is inaccurate see exhibit ( B ) Delete this account for inaccurate reporting. 
XXXX  XXXX # XXXX Date last active is inaccurate see exhibit ( C ) Delete this account for inaccurate reporting. 
I assert that Experian has not fulfilled its obligation to conduct a fair and accurate investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). The repeated verification of these accounts without adequate consideration of the supporting evidence I provided is unacceptable. 
It is my understanding that as a credit reporting agency, Experian is required to ensure the accuracy of the information it reports. The failure to take appropriate action on my dispute demonstrates a lack of diligence in your responsibilities. 
I kindly request that you delete the above referenced accounts, immediately. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, 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 explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding identity theft, which has resulted in fraudulent accounts being reported on my credit profile. I have already initiated disputes with the credit bureaus and am providing documentation to the Consumer Financial Protection Bureau ( CFPB ) to request assistance in removing these fraudulent accounts from my report.Despite my efforts to resolve this matter, these accounts remain incorrectly listed under my profile. These accounts were opened without my knowledge or authorization, and the ongoing misreporting of these details is causing significant harm to my credit standing. I am requesting that these be investigated and removed promptly.

Summary of Fraudulent Accounts Being Disputed : 1. XXXX XXXX XXXX Bank Card Account Number : XXXX Dispute Reason : This account was not opened by me, nor do I have any knowledge of its existence. I request immediate removal from my report as it is a result of identity theft. 

2. XXXX Bank Account XXXX : XXXX Dispute Reason : This account was opened without my authorization and has not been verified to be accurate or complete. I demand its removal as it was fraudulently added to my credit profile. 

3. XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : This is another fraudulent account that does not belong to me. I am disputing this as part of the identity theft issue affecting my credit profile. 

4. XXXX XXXX Account Inquiry Date : XX/XX/year> Dispute Reason : I did not authorize this inquiry. I request that this be removed from my credit report as it was a result of identity theft.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding identity theft, which has resulted in fraudulent accounts being reported on my credit profile. I have already initiated disputes with the credit bureaus and am providing documentation to the Consumer Financial Protection Bureau ( CFPB ) to request assistance in removing these fraudulent accounts from my report.Despite my efforts to resolve this matter, these accounts remain incorrectly listed under my profile. These accounts were opened without my knowledge or authorization, and the ongoing misreporting of these details is causing significant harm to my credit standing. I am requesting that these be investigated and removed promptly.

Summary of Fraudulent Accounts Being Disputed : 1. XXXX XXXX XXXX Bank Card Account Number : XXXX Dispute Reason : This account was not opened by me, nor do I have any knowledge of its existence. I request immediate removal from my report as it is a result of identity theft. 

2. XXXX Bank Account XXXX : XXXX Dispute Reason : This account was opened without my authorization and has not been verified to be accurate or complete. I demand its removal as it was fraudulently added to my credit profile. 

3. XXXX XXXX XXXX Account Number : XXXX Dispute Reason : This is another fraudulent account that does not belong to me. I am disputing this as part of the identity theft issue affecting my credit profile. 

4. XXXX XXXX Account Inquiry Date : XX/XX/year> Dispute Reason : I did not authorize this inquiry. I request that this be removed from my credit report as it was a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: MA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the IRS, an unpaid charge off is income. According FCRA, income can not be reported on a credit report. I have received a XXXX for the accounts listed here : XXXXXXXX XXXX and XXXX XXXX After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of XXXX usc XXXX. I demand these accounts to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2024-10-07 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: VA

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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 when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below : XXXX. Creditor Name : XXXX XXXX XXXX IN XXXX. Creditor Name : XXXX XXXX XXXX Under XXXX XXXX, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness if the information us hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, 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 2024-10-07 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: TN

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 XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX : # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A : # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2024-10-07 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: TN

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 XXXX XXXX XXXX. 

XXXX : # XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2024-10-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on 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 15 USC 1681 ( e ) ( b ).

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 ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Requested company to cease communication however they continued to send emails

Company response to consumer: Closed with non-monetary relief