vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: IN

Complaint narrative:
I recently looked at a copy of my credit report and notice fraudulent accounts on my report.please remove the accounts because they are hurting my ability to buy a house for my family.

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 2024-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I am filing this complaint in regard to a recent notice of dispute I had written and mailed to SANTANDER CONSUMER USA about inaccurate account information regarding late payments which was mailed on XX/XX/XXXX and delivered on XX/XX/XXXX. It has been approximately 51 days since the notice of dispute has been delivered to SANTANDER CONSUMER USA. The inaccuracies that are reflecting from the account in question are showing up in the payment history section for XXXX as XXXX XXXX late payments in a row, XXXX XXXX late payments in a row, and XXXX more XXXX late payments in a row for the year XXXX. This information is all showing in the " Payment Summary '' section. As seen on XXXXXXXX XXXX direct site. The are XXXXour 60-day late payments in a row reflecting from the year XXXX, XXXX more reflecting from the year XXXX, and XXXX more late payments reflecting from the year XXXX. These issues are in fact ruining my reputation and my creditworthiness to obtain new credit. According to the Fair Credit Reporting Act, the law emphasizes the importance of accuracy and fairness of credit reporting. The Fair Credit Reporting Act states per 15 USC 1681s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Also, 15 USC 1681s-2 ( 2 ) Duty to correct and update information A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. SANTANDER CONSUMER USA has had more than enough time to investigate. I have reason to believe that my dispute was ignored. Wouldn't that be considered as willful noncompliance? Please remove this account for failure to investigate inaccurate account information within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
I'm not familiar with this debt. I've never had any dealings with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: Bridgecrest Acceptance Corporation
State: NH

Complaint narrative:
Bridgecrest was contacted by the NH XXXX as well as myself over 6 times to find out where to send my state title move transfer request form. When I contacted Bridgecrest the first few times they gave me the same fax number and kept saying they never received it after confirming the number. Then as I kept asking I had the XXXX mail the paperwork, send it to a new fax number repeatedly and eventually an email. Again Bridgecrest kept saying they never received the form and I had to go back and forth to the XXXX each time and wait hours in line to give them new contact info for Bridgecrest or to ask them to send the documents again. Eventually I got an email address that worked but now my car registration is set to expire because the new state I am in still does not have the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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:
Unauthorized/unverified accounts on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I applied for a Wells Fargo Choice Privileges Select MasterCard on XX/XX/XXXX, but I did not receive any rewards, then I called and asked WF about it and they said it was XXXX XXXX XXXX responsibility, then I called XXXX  and XXXX  said that my account wasn't Then I called XXXX, XXXX  said my account was not linked to my credit card, and told me to go to WF, then WF said it was XXXX XXXX responsibility and not theirs, then I filed a complaint with WF on XX/XX/XXXX, but WF 's complaint handler said there was no way he could help me, then I went to XXXX, but XXXX  still said it was WF 's responsibility, and still haven't solved the problem until now!

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 monetary relief
Consumer complaint received 2024-02-15 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: IN

Complaint narrative:
Looked at credit report and seen fraudulent accounts. Please delete because they are affecting my ability to live healthy lifestyle.

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 2024-02-15 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-02-15 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: NY

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Complaint Against Midland Credit Regarding Violation of Consumer Rights and Account Discrepancy Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit regarding what I believe to be a violation of my consumer rights and a discrepancy with my account # XXXX. I request your urgent attention and intervention in this matter. 

Upon reviewing my financial records, I have discovered that Midland Credit has reported an account # XXXX on my credit report, which I contend is a certificate of indebtedness. This account has been inaccurately reported and is adversely affecting my credit standing.

Furthermore, I assert that Midland Credit has failed to adhere to the terms of my original agreement and has misrepresented the status of this account. Despite my diligent efforts to resolve any outstanding debts, Midland Credit has not updated the account status to reflect that it has been paid as agreed.

As a consumer, I have the right to fair and accurate reporting of my credit information. Midland Credit 's actions not only violate my consumer rights but also hinder my ability to access fair credit terms and opportunities.

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Midland Credit for its violation of consumer rights. Specifically, I ask that Midland Credit be instructed to remove account # XXXX from my credit report as it is a certificate of indebtedness and update the account status to " PAID AS AGREED. '' I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: Kikoff Inc.
State: TX

Complaint narrative:
On XX/XX/2024, I had received email from Kikoff Lending LLC and this what they said in the email response. 

XXXX, We have received a letter/email disputing certain information reported to consumer reporting agencies regarding the status of your account. We have reviewed our records and have determined that the attached letter constitutes a frivolous or irrelevant dispute under the Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ( 8 ) ), and therefore, an investigation is not required. 

We have made this determination based on the following facts : We have a reasonable belief that the dispute has been submitted on your behalf by, or has been submitted on a form supplied to you by a credit repair organization, as defined in 15 U.S.C. 1679a ( 3 ), or an entity that would be a credit repair organization. 
If you would like us to further consider this dispute, please contact us at XXXX and provide us with the following : Any new information regarding the account that has not been previously submitted. 
Sufficient information to identify the account that is in dispute, such as an account number, name, address, and telephone number. 
The specific information that you are disputing. 
An explanation of the basis for the dispute. 
Supporting documentation or other information to substantiate the basis of the dispute. This documentation may include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements. 

Regards, Kikoff Customer Operations This is a failed to respond to my dispute letter that I sent which is a violation FCRA, CRAs. I sent in proper I.D., Social Secuity Number, and Lease Agreement stated this is me and they didn't do what they supposed to do. I also sent in a tracking number XXXX # XXXX that is certified to the with the proof of the documents of my dispute that's being reported in my credit report for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: OH

Complaint narrative:
I mailed EQUIFAX a letter stating that per the consumer law 15 U.S.C 1681i ( 7 ) Method of verification they were required to send me the documentation of how they validated/ verified the alleged date, the name of the person who verified the debt and other required information and they failed to provide me with that information. They are now in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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:
My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/year>. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the CRA ( Experian, XXXX, and XXXX ) how stressful this is and its impacting my ability to obtain credit. 
According to 15 USC 1681 I have the right to privacy and furnishing information to my account without my permission is in violation. Also furnishing accounts to profile in the result of identity theft, violates 15 USC 1681 C-2. The accounts that are listed on my credit profile are : XXXX XXXX XXXX and XXXX XXXX XXXX, I have no knowledge of these creditors

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 2024-02-15 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp NationStar/Mr Cooper reported to XXXX that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to NationStar/Mr. Cooper. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during XXXX crisis. 
I can not obtain a loan for home repair until NationStar /Mr.Cooper remove this erroneous error, reflected on my XXXX XXXX XXXX XXXX and XXXX reports dated XX/XX/2023. 
Also, NationStar /Mr.Cooper had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXXXXXX XXXX. I receive XXXX junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all XXXX reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX 180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX is proof to me of the unwillingness to accept the XXXX point credit points drop reflected on my credit reports. I have called XXXX as recent as this XXXX  requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella of NationStar/Mr.Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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:
I have filed XXXX disputes regarding incorrect information that XXXX XXXX  is reporting to the XXXX credit reporting agencies : XXXX, XXXX XXXX, and Equifax. XXXX XXXX  responded to both disputes by stating that the information they provided to the CRAs was accurate. In both disputes, I provided documents that show my correct payment history, yet XXXX XXXX  will not correct their inaccurate reporting to the XXXX. 

XXXX XXXX  reports to the XXXX agencies that in XX/XX/year>, my payment was XXXX  days late ; in XX/XX/year>, my payment was XXXX  days late ; and in XXXX, XXXX, and XX/XX/year>, all XXXX  payments were XXXX  days late. 

In the months mentioned above, in XXXX, I was enrolled in a debt management plan with XXXX XXXX XXXX to pay off my XXXX XXXX  debt. In my prior disputes, I provided XXXX XXXX  with XXXX and XXXX XXXX XXXX statements showing the dates that XXXX debited my XXXX account and the dates that XXXX XXXX XXXX submitted electronic payments to XXXX XXXX  per my debt resolution agreement. In this CFPB complaint, I am also providing XXXX XXXX  statements as further evidence that they received these payments. 

On XX/XX/year>, XXXX XXXX deducted {$220.00} from my XXXX bank account, and on XX/XX/year>, XXXX paid XXXX XXXX. The XXXX XXXX  statement shows they received the payment from XXXX XXXX on XX/XX/year>. There were no late payments in XX/XX/year>. 

For XXXX and XX/XX/year>, I could not make my monthly payments due to circumstances beyond my control related to the COVID-19 pandemic. I informed both XXXX XXXX XXXX and XXXX XXXX  of my circumstances and was granted a XXXX grace period by XXXX XXXX . 

I resumed my payments in XX/XX/year>. On XX/XX/year>, XXXX XXXX deducted {$220.00} from my XXXX bank account, and on XX/XX/year>, XXXX paid XXXX XXXX. The XXXX XXXX  statement shows that they posted my XXXX payment to my account on XX/XX/year>. 

On XX/XX/year>, XXXX XXXX deducted {$220.00} from my XXXX bank account, and on XX/XX/year>, XXXX paid XXXX XXXX. The XXXX XXXX  statement shows that they posted my XXXX payment to my account on XX/XX/year>. 

There was no late payment for XX/XX/year>. There were only XXXX months that I could not make payments : XXXX and XX/XX/year>. There were no late payments for XXXX and XX/XX/year>. XXXX XXXX  should be reporting that my XXXX payment was XXXX  days late and my XXXX payment was XXXX days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This company refuses to provide a validation of debt and claims that the inaccurate reportings ( that was originally outlined in my report ) is not their fault, it inaccurate reportings are found. This collection agency is seeking payment for an account they have no proof belongs to me, an account with contradicting payment history such as payments reported as paid on one credit reporting agency while those same months are reported " missed '' on another. This is extremely predatory and against the law. Please investigate this. please look at the files attached for further context.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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 a 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 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Never received a credit card in my name somebody use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation