vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: GA

Complaint narrative:
A letter was sent to XXXX in regards to a bankruptcy that is being reported on my credit reports ; Experian, XXXX, XXXX and XXXX every month this year ( XXXX  ) stating that they didn't have my consent to report the bankruptcy. I received a letter from the XXXX XXXX Court and they stated that they didn't provide the bankruptcy information to ANY of the credit agencies. This should be removed as they didn't have my consent or the Bankruptcy Court to report this on their credit reporting platforms.

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 2024-10-08 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:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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:
Ive resent my previous letter informing this company I received a copy of my credit report, and noticed some late payments that still needed to be corrected. I was never late and they failed to provide documents that proved that I was late. 
Clearly, prohibition means something that is not allowed. This law says a person ( this company ) 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. 
Lets look at has reasonable cause to believe that the information is inaccurate. 
I CLEARLY showed them in my previous letter that they have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that they've violated, therefore the information being inaccurate! This is a violation of 15 US Code 1681s-2.

The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave this organization permission to report my information. This is a violation of 15 US Code 1681a ( 4 ).

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 2024-10-08 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:
This XXXX, I was shocked to see inaccurate accounts appear on my credit report for no reason. I check my report regularly, and this time there were unexpected discrepancies. I tried refreshing the page, thinking it might be a glitch, but the incorrect information remained. Now, I just want my documents thoroughly reviewed so I wont have to deal with this kind of worry again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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:
I have a default judgment against Flagship Credit Acceptance for report and account on my credit that results from identity theft. Im attaching the a copy of the certified judgment. I need this account removed immediately from 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 2024-10-08 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My ex-spouse requested a divorce resulting in the sale of our home. Upon seeking new housing, I learned that my credit was very low because of cards she had opened without my knowledge and or permission. I contacted Capital One and filed a fraud report on XX/XX/XXXX and closed the account so she could no longer use the cards. That same afternoon, she asked me if I had opened a fraud case on her, and I said, " No. '' Apparently, she received an email or text with the information I provided Capital One that morning. After approximately 10 calls to the Fraud Depart. and Collections to dispute their findings, they still are holding me accountable for those charges. They currently have me on a XXXX plan paying {$35.00} and {$26.00} a month for each card. I filed an Identity Theft Report with the Federal Trade Commission and submitted it to Capital One and XXXX to have the charges dropped and my credit restored so I can seek housing. Capital One asked me to provide evidence that I was XXXX. stating I needed an ID because the phone number and email were not mine ; they were hers and they are STILL holding me accountable. I demand that these charges be dropped and my credit restored. I should not be held accountable for their poor business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: Southwest Recovery Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/year> RE : NOTICE OF DISPUTE Dear Southwest Recovery Services, I am writing to request validation of a debt that you are attempting to collect from me. I am receiving harassing emails from your agency, even though I have never done business with you. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I have the right to request and receive validation of a debt. This means that you must provide me with certain information about the debt, including : The amount of the debt The name of the original creditor A complete payment history Documentation that I agreed to pay the debt Documentation that you have the authority to collect on the debt Please provide me with the following information : A copy of your state license, including license number, that gives you rights to collect in New York The name of the person who validates debts at your agency A copy of the audit trail for the debt, including the complete payment history Documentation that I agreed to pay the debt Documentation that you have the authority to collect on the debt If you can not provide me with this information, I will dispute the debt with the credit bureaus and file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I am also concerned about the harassing emails that I am receiving from your agency. The FDCPA prohibits debt collectors from harassing or abusing consumers. Sending harassing emails is a violation of the FDCPA. 

I demand that you immediately stop harassing me and that you provide me with the validation information that I have requested. 

In addition to the FDCPA, you may also want to mention the following laws in your complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA prohibits creditors and debt collectors from reporting inaccurate information to credit bureaus. If you believe that Southwest Recovery Services has reported inaccurate information about your debt to a credit bureau, you can file a dispute with the credit bureau and/or file a complaint with the CFPB. 
Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 : The TCPA prohibits debt collectors from calling consumers on their cell phones without their prior consent. If Southwest Recovery Services has called you on your cell phone without your prior consent, you may have a claim under the TCPA. If you receive any further harassing communications from the debt collector, you should keep a copy of the communication and file a complaint with the CFPB. You may also want to consult with an attorney to discuss your legal options. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My current loan should not have an escrow/impound account associated with it. ShellPoint servicing created one with no reasoning or justification to do so and my mortgage payment has increased {$1100.00}. Here is a timeline of events so far. 


XX/XX/XXXX : My insurance renewal date was due XX/XX/XXXX. I paid it online on XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX : Received letter dated XX/XX/XXXX from ShellPoint claiming they had not received renewal notification of insurance yet. 

XXXX XXXX XX/XX/XXXX : ShellPoint notified us that an escrow account was created and attached to our mortgage. Verified they adjusted by auto payment and increased it {$1100.00} On XX/XX/XXXX : I called customer service and spoke to XXXX. She created a customer service claim, and stated that this should be a quick remedy if the loan was never suppose to have an escrow account. She requested I send proof of payment for Homeowners insurance to an email account. Which I did that day. 

On XX/XX/XXXX : I called again to follow up as there was no change noted on their webpage portal. I spoke to XXXX XXXX and she reviewed the notes the prior claim established on XXXX was closed on XX/XX/XXXX with no resolution. She escalated the issue. 

XXXX XXXX XX/XX/XXXX : Received letter stating escrow cancellation request was denied for reason that the loan had not properly seasoned. 

On XX/XX/XXXX : I called again with my original loan advisor with whom I created the loan with. We first spoke to XXXX who eventually escalated us to XXXX a Manager. We were assured that management would be contacted and they would reach out to me to address the issue. 

Letter Dated XX/XX/XXXX : Stating my request for information of the loan owner and saying it belonged to XXXX XXXX XXXX XXXX and that ShellPoint had requested information from them to forward along to me. I never requested this information. 

XX/XX/XXXX : Monthly mortgage draft was made and the {$1100.00} increase was included. 

I have spoken to them over the phone for over 2hrs, written them emails. Shared the proof of renewal of insurance, Had my insurance agent forward the proper COI 's, and have also emailed them with the original Closing Disclosure, Escrow Waivers, and California Loan Impound Disclosure and Waiver. And they have yet to correct the error.

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 2024-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I applied for a personal loan and was denied based on high utilization, according to the response. This occurred as I was literally holding my credit report in my hand, showing only 1 % utilization. I attempted to check my rate for a smaller loan instead, and was denied immediately without even being evaluated, per the emailed response, because I had already asked and been denied for bogus reasons. When Attempting to contact customer support, they were entirely unhelpful, transferring me multiple times without answering any questions or providing any explanation on why their reasoning completely contradicted my credit report. They simply disconnected the line after the first transfer without a word, refusing to assist me in any manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-10-08 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-10-08 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: CA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$780.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C 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 2024-10-08 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: IL

Complaint narrative:
These companies accessed my credit report without my consent, which has negatively affected both my credit and credit score. Despite contacting Experian and receiving assurances that these inquiries would be removed, they still appear on my credit report. These unauthorized and fraudulent inquiries are causing me XXXX  XXXX, as they indicate potential identity theft, exacerbating my stress and further harming my credit score.

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 2024-10-09 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-08 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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