vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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 recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
My account was transferred to Fay servicing in XX/XX/XXXX. My first payment to them was for XX/XX/XXXX which I made through their automated phone system on XX/XX/XXXX. The payment didnt go through so I called a representative and paid that payment around XX/XX/XXXX. From there forward I called every payment in over the phone. The problem at first was that they said my first payment to them was returned. But This is how I found out there was a problem. I got a letter from Fay servicing stating that My payment {$1000.00} changed to {$1300.00} because of an escrow shortage. And it would start XX/XX/XXXX. When I called to make the payment the representative told me that I owed {$1000.00} for XX/XX/XXXX. I told them that I had not missed a payment. They would not take my XX/XX/XXXX payment. I made several calls since then. I have been told everything from my payments were posted to XX/XX/XXXX, two payments were posted to XXXX, and several times I was told that a supervisor would call me within 24hrs which never happened. I was also told that I would be sent a statement showing all payments to them which never happened. Yesterday a representative told me that they had a letter from the previous servicing company saying that I was delinquent. Then she said that she was going to request records from XXXX. This appears to me to be a stalling technique. It appears that they are trying to force me to pay an extra payment which I dont have or even force me into foreclosure. Ive been in a bankruptcy which was discharged on XX/XX/XXXX and I have never missed a payment. I am a XXXX XXXX retired XXXX veteran and I would appreciate any help that you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
My commitment to timely payments on this account has always been steadfast, preventing any instances of overdue payments. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2024-04-16 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: NC

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am a victim of XXXX XXXX computerized fraud which is the art of faking the identity of the signers electronic signature to carry out unauthorized transactions. 
I am also the victim of fraud which in legal terms fraud is an intentional deception to secure unfair or unlawful gain or to deprive a victim of a legal right. The purpose of fraud may be monetary gain or other benefits. 
XXXX. XXXX XXXX does not have a contract with the Service Provider who is listed on the promissory Note, however, the XXXX XXXX released funding to Service provider in breach of the contract with the XXXX XXXX XXXX. The XXXX XXXX paid the XXXX provider funding in breach of the Home Improvement agreement. 
XXXX. The Home improvement corporation agreement # XXXX on page XXXX states NO FUNDS SHOULD BE MADE PAYABLE TO Service Provider however, Service Provider XXXX collect Customers payment made payable to Home improvement corporation. The XXXX XXXX released {$16000.00} to XXXX XXXX which is in conflict to the terms outlined in this section of the XXXX improvement corporation agreement. 
XXXX. The XXXX company application for financing was completed by the XXXX provider. Their sales XXXX took the application over the phone. The name and business address for the seller on the finance application was the XXXX XXXX on page XXXX of the Promissory Note which is a breach of the XXXX XXXX XXXX agreement dated XX/XX/year> term # XXXX page XXXX. 
a. A breach of contract is a violation of any of the agreed-upon terms and conditions of a binding contract.. 
XXXX. The computerized signatures that appear on the financing application was used to legitimize and also used by the XXXX XXXX to release funding to the XXXX provider. This was executed without XXXX XXXX knowledge. The finance company did not contact XXXX XXXX via email or phone call to verify that this computerized signature was of her knowledge. 
XXXX. The XXXX company application was completed by XXXX XXXX sales XXXX over the phone and is falsified with an income that is inflated without my knowledge this amount was entered on the application. XXXX XXXX did not disclose the income of the amount entered on the finance application. 
XXXX. The finance XXXX is being deceptive to use the Home Improvement agreement as the contract they used to release funding to the XXXX XXXX. The home improvement name or pertinent information was not listed in the finance application or promissory note. 
XXXX. The XXXX company has failed to provide a contract to support this transaction with the XXXX provider. Every request has been ignored.

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 2024-04-16 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:
I am writing to express deep dissatisfaction with the ongoing presence of fraudulent items on my credit report. After reporting this identity theft, I contacted the companies linked to these fraudulent items. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent items would be swiftly removed. It is important to note that both XXXX and XXXX have already removed these items from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify these items when the other bureaus have already removed them. I urge you to remove these items from my file, as they are riddled with inaccuracies, errors, incompleteness, or unverifiability. 

XXXX 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
There are accounts and inquiries on my consumer report that do not belong to me and is a result of identity theft. My personal information was stolen and used without my permission. Personal information including my name, date of birth, and social security number. I did not provide written permission or instructions for the identified transactions or information to be reported on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: EQUIFAX, INC.
State: TX

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.

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 non-monetary relief
Consumer complaint received 2024-04-16 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: CA

Complaint narrative:
I reached out to the company over XXXX  years ago asking the company to remove the information from my credit due to the statue of limit in Pennsylvania. I also Its now XXXXplus years and that information is still circulating on ny credit and affecting a negative way

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on the account listed as XXXX/DOFED there are several inconsistencies within the account which means it has not been properly verified as accurate. Furthermore each bureau is actively engaged in reporting fraudulent information because the note that is being used is whats funding this transaction and I can not be indebted to them and the reason they are complicit is because they make a profit for selling my information. I demand the documents used to verify that I am in debt with this creditor. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Student Loans Student Loans Miscellaneous Finance Creditor Remarks : Payment deferred Student loan - payment deferred Student loan - payment deferred Last Payment : - - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information on the account listed as XXXX/DOFED there are several inconsistencies within the account which means it has not been properly verified as accurate. Furthermore each bureau is actively engaged in reporting fraudulent information because the note that is being used is whats funding this transaction and I can not be indebted to them and the reason they are complicit is because they make a profit for selling my information. I demand the documents used to verify that I am in debt with this creditor. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Student Loans Student Loans Miscellaneous Finance Creditor Remarks : Payment deferred Student loan - payment deferred Student loan - payment deferred Last Payment : - - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
Transunion is reporting unauthorized inquiries on my credit file. Under the FCRA and FDCPA, I WAS NOT NOTIFIED in writing before these inquiries were placed on my credit report. I do not recognize any of those inquiries. My right to privacy was violated.

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 2024-04-16 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: PA

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 non-monetary relief
Consumer complaint received 2024-04-16 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:
CFPB Writeup : In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To Whom It May Concern, I am writing to file a formal complaint against LVNV Funding LLC for XXXX violations of my consumer rights under federal regulations. LVNV Funding LLC has flagrantly disregarded the laws outlined in 12 CFR 1006.34 by failing to provide validation information regarding a collection account they have reported on my consumer report. Despite this blatant omission, LVNV Funding LLC has proceeded to report this collection account, thus infringing upon my rights under federal regulations. 
Furthermore, LVNV Funding LLC has deprived me of the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide the necessary avenues for dispute resolution is a clear violation of consumer protection regulations and demonstrates LVNV Funding LLC 's blatant disregard for fair and transparent practices. 
I assert that LVNV Funding LLC is engaging in deceitful and misleading practices by reporting this collection account without adhering to the requisite legal standards. This conduct not only violates my consumer rights but also undermines the integrity of the credit reporting system as a whole. 
In addition to disputing any ownership of the alleged debt to LVNV Funding LLC, I hereby revoke all rights of communication via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
As per my rights under the law, I demand that LVNV Funding LLC provide validation of the debt, including the purchase agreement between LVNV Funding LLC and the original creditor. Furthermore, I request immediate proof of LVNV Funding LLC 's licensing and bonding, as mandated by law. 
Failure to comply with these demands within the legally mandated timeframes will result in immediate escalation of this matter to higher authorities. I expect a prompt and thorough response to this formal complaint, detailing the steps LVNV Funding LLC will take to rectify these egregious violations and provide restitution for the damages incurred. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
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.

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