vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX  Account name : # XXXX Delaware Co XXXX has violated my rights. 

I looked at my Experian 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, If 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 2024-11-27 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: LA

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 2024-11-27 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: LA

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 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 2024-11-27 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: FL

Complaint narrative:
I hereby dispute the validity of this debt in its entirety and demand this account to be removed because it is in violation of multiple Federal Laws. This account is in XXXX and it should not be reporting on my credit profile. Because of the violation of the Fair Credit Reporting Act and Florida Consumer Collection Practices Act. 

SECURITY CREDIT SERVICES ACCOUNT NUMBER XXXX SECURITY CREDIT SERVICE ACCOUNT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 non-monetary relief
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am filing this complaint against Experian Consumer Assistance XXXX due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These issues violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my creditworthiness. 

Issues Identified : XXXX. Inaccurate Comments : - Experians report includes the following statements : " XXXX included in or XXXX through Bankruptcy XXXX XXXX, XXXX, or XXXX. '' " CONSUMER STATEMENT : ITEM IN DISPUTE BY CONSUMER. '' " Account was in dispute now resolved reported by subscriber. '' - These comments contradict the information provided by XXXX and XXXX, which offer differing remarks about the status of this account. 

- Furthermore, Experian has failed to provide supporting documentation to verify these claims. 

XXXX. Missing XXXX on XXXX XXXX : - Experians report does not include any details regarding the last payment for this account, violating 15 U.S.C. 1681g, which ensures consumers have the right to access the complete details of their accounts.

3. Inconsistent Dates and Payment History : - Last activity : XX/XX/XXXX - Payment history includes : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90 days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 150 days late ) XX/XX/XXXX ( " Charge Off '' ) The rest of the months are blank. 

- These delinquencies and the " XXXX XXXX '' designation are contradictory to : XXXX completely blank payment history. 
XXXX history, which shows different late payments and includes several months marked as " OK. '' Laws Violated : 1. 15 U.S.C. 1681e ( b ) : Experian has failed to ensure accurate and consistent reporting of data.

2. 15 U.S.C. 1681i ( a ) : Unverifiable information, such as the " Charge Off '' status, has not been removed as required by law.

3. 15 U.S.C. 1681g : Experian has omitted critical details about the last payment for this account, denying me access to the complete account information.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
Complaint, QWR, DVR and demand for TILA disclosures regarding {$380.00} fees payment by XXXX and refund to Trustee. According to XXXX XXXX XXXX XXXX [ who responds complaints addressed to fake company PennyMac Loan Services , LLC ] AI -generated letter the Trustee Refund billed on XX/XX/year>, in the amount of {$380.00} represented funds initially sent to Pennymac by the bankruptcy trustee. However, the trustee notified that the funds were sent in error, and as such, returned them on XX/XX/year> Please provide me the name and contact information for the authorized individual employee of the Bankruptcy XXXX who sent this payment in error to verify this error ; and the name and contact information of the company who received these funds from XXXX XXXX ; provide me a copy of XXXX 's notice explaining which error was made when XXXX sent this payment and that this payment was related to ; please provide me the copy of the refund check for {$380.00} sent to Trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am submitting this complaint against my mortgage servicing company for unreasonable delays, excessive stipulations, and additional financial demands related to the release of insurance funds needed for home remediation and restoration after my home was damaged by a natural disaster. 

The servicer has refused to release the initial insurance funds for repairs unless I meet overly burdensome requirements, such as submitting detailed contractor proposals and itemized material lists, even after I provided signed agreements, receipts, and photos documenting the ongoing work. Additionally, they are demanding that I cover the cost of inspections required by them before releasing any funds. 

Despite my efforts to escalate the matter, I was denied contact with a manager or senior representative, being told by multiple agents that management does not speak with customers. This refusal to engage in meaningful dialogue has left me with no way to resolve my concerns. 

These delays and demands have created significant financial hardship, as I have exhausted personal funds to continue remediation efforts. My home has been uninhabitable since the disaster, and the mortgage company 's actions are prolonging this situation unnecessarily. 

This situation has caused undue stress and hardship, and I need immediate relief to move forward with restoring my home.

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 2024-11-27 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 block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I request their removal within 15 days. I have attached relevant documents for your review and reference.

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 2024-11-27 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 victim of an identity theft, back in XXXX of XXXX someone opened a fraudulent account with XXXXXXXX XXXX XXXXXXXX, and now I am trying to have the fraudulent account removed from my credit report. The account and the charges are not mine. I never paid for this account. I have never requested this account to be opened. for years I am trying to have this removed from my credit report. Finally I have decided to take this case to small clams since I am victim and this effecting my livelihood. I have opened my case on XX/XX/XXXXXXXX  and I have not even heard from them.

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 2024-11-27 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: SC

Complaint narrative:
I, XXXX XXXX, have experienced multiple violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate and unauthorized information being reported on my credit report. These violations include failure to properly validate debts, inaccurate reporting of late payments, improper handling of personal information, and unauthorized credit inquiries.

Under FCRA Section 616 ( 15 U.S. Code 1681n ), I am entitled to civil liability for willful noncompliance, and I have requested that the credit reporting agencies and debt collectors provide proof of the alleged debts or remove the inaccurate information from my credit report. In addition, under FCRA Section 603 ( d ) ( 2 ) ( A ), they failed to disclose my right to opt out of sharing my personal information, which is a violation of my consumer rights.

I have also requested that specific collections accounts be validated in accordance with 15 U.S. Code 1692g, and if the debt collectors can not provide proper documentationsuch as the original signed contractthey must remove these items from my credit report. Additionally, there have been unauthorized hard inquiries made under 15 U.S. Code 1681b ( a ) ( 2 ), and I have asked that these be deleted as well.

Due to the failure to resolve these issues in a timely manner, I am prepared to pursue legal action as allowed by the FCRA, including seeking damages for the violations that have occurred.

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 2024-11-27 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: SC

Complaint narrative:
I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and other relevant laws regarding the handling of my credit report and personal information. These violations include : Willful Noncompliance with Accuracy Requirements : My credit report contains inaccurate and unverified information, including late payments and collections, which were not properly validated as required under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1692g.

Unauthorized Hard Inquiry : My credit report includes a hard inquiry by XXXX XXXX on XX/XX/3 that I did not authorize, violating the permissible purposes clause under 15 U.S.C. 1681b ( a ) ( 2 ).

Failure to Disclose Opt-Out Rights : My rights to opt out of sharing my personal information were not disclosed, as required under FCRA Section 603 ( d ) ( 2 ) ( A ).

Furnishing Inaccurate Information : Multiple accounts, such as those under XXXX, XXXX, and others, have been reported inaccurately and without proper validation. This violates 15 U.S.C. 623 ( a ) ( 3 ) and the standards set for accurate reporting.

Unlawful Debt Collection Practices : Debt collectors contacted third parties and inaccurately disclosed alleged debts, violating the Fair Debt Collection Practices Act ( FDCPA ) and rules prohibiting the sharing of such information.

Misrepresentation of Late Payments : Late payments were reported without clearly defining what constitutes a late payment, which is misleading and violates my rights under FCRA Section 616.

Failure to Determine Finance Charges Accurately : The credit reporting agencies did not properly calculate finance charges, which is their responsibility.

Unauthorized Reporting of Personal Information : Personal details, such as addresses and other accounts, were added or retained on my report without my consent, further violating FCRA provisions.

These violations have caused undue distress, financial harm, and inconvenience. I have taken steps to demand corrections, validation of debts, and removal of inaccurate or unauthorized entries. However, the failure to address these violations in a timely and lawful manner may compel me to seek legal remedies under the FCRA and FDCPA, which allow for civil penalties of up to {$1000.00} per violation and further damages for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
I, XXXX XXXX, identified multiple violations of my rights under the FCRA and related federal regulations due to inaccurate and unauthorized reporting on my credit report. The violations include : FCRA Section 616 - Civil Liability for Willful Noncompliance : Credit information about me was accepted and reported without proper verification, demonstrating willful noncompliance.

FCRA Section 603 ( d ) ( 2 ) ( A ) : My right to opt out of sharing personal information was not disclosed, which is deceptive and a violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) : Inaccurate accounts and inquiries were reported without proper validation.

Debt Collection Practices Violations : Harassment and unfair practices occurred through the reporting of inaccurate debts.

Third-Party Contact Violations : My debt information was improperly disclosed to third-party agencies.

Timely Payment Violations : " Late payments '' were reported inaccurately, without clear definitions or validation.

Finance Charge Errors : Finance charges were calculated incorrectly.

Unauthorized Inquiries : Hard inquiries appeared on my report without my consent, violating permissible purposes under 15 USC 1681b ( a ) ( 2 ).

Actions Requested : Corrections to Personal Information : I demand the immediate deletion of outdated or incorrect addresses.

Late Payment Updates : I request that late payments for multiple accounts be updated as " paid as agreed, never late. '' Validation of Debts : Debt collectors must provide validation under 15 USC 1692g, including original contracts or applications bearing my signature. Without proof, these entries must be removed from my report.

Removal of Unauthorized Hard Inquiries : All hard inquiries made without my authorization must be deleted.

General Cleanup : I expect the removal of all inaccurate and unauthorized accounts from my credit report. 
XXXX XXXX : I demand immediate corrective action to address these violations. If the necessary updates and validations are not provided, I will pursue legal remedies under the FCRA to enforce my rights and seek compensation for noncompliance.

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 2024-11-27 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: FL

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

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