vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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:
Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$200.00} that appears related to XXXX XXXX XXXX and lastly a real estate loan opened with Loancare on XX/XX/XXXX with the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I received a notice the week of XX/XX/XXXX, dated XX/XX/year> from CrossCountry Mortgage stating that my hazard insurance with XXXX XXXXXXXX had expired and that if I did not provide my insurance information immediately they were going to proceed to purchase " more expensive coverage with less coverage. '' I proceeded, via their email portal and phone to attempt to contact them regarding why my insurance " expired ''. I have an ESCROW account with CrossCountry Mortgage where, since the inception of my loan, they have always paid my insurance premiums to XXXX XXXXXXXX. I also called my insurance company, XXXX XXXXXXXX, who informed me that they the reason my insurance expired was due to a lack of payment. They informed me that they sent an invoice to Cross Country LLC on XX/XX/XXXX for the {$2500.00} insurance payment which was due XX/XX/year>. They did not cancel my policy until XX/XX/year>, which is when my payment grace period ended. Therefore, CrossCountry sent me a notice of expiration of a policy that hadn't even expired yet. Once expired, XXXX XXXXXXXX let me know that the cancellation then back dated to the due date of XX/XX/XXXX. It is now XX/XX/XXXX and after several emails and phone calls leaving a voice mail to corporate at the numbers of : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I can not get through to anyone. I finally spoke to a representative named " XXXX '' at a local branch office in XXXX, CA ( phone number XXXX ) who told me that " CrossCountry out-services their escrow payments and recently has switched companies causing a lot of problems by not meeting deadlines. '' He assured me that they would fix it for me and gave me this number directly. This was today, XX/XX/year>. That number is : ( XXXX ) XXXX. I spoke to a representative at said number and they told me that because my insurance provider has a " XXXX '' rating '' and not a " XXXX '' they do not meet " criteria '' and so they did not pay them to renew. Then they sent me the notice of expiration on XX/XX/XXXX, that I received on XX/XX/XXXX. She claimed that they sent me another notice via US mail in that notified me of this rating issue that I never received, nor was I given a phone call or email to follow or ensure that I had proper time to find an insurance company of my discretion that did meet their NEWLY IMPOSED rating. I asked this representative, who refused to give me her name, to speak to the person in charge of theses decisions and she put me on hold and then disconnected the call. These actions are unethical, against my rights to choose my own insurance company, and have set me up to have no choice but to be charged whatever they see fit for whatever substandard insurance they choose ( their words ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: Westlake Services, LLC
State: OH

Complaint narrative:
I called westlake ; paid for 3 months of the truck payment. After paying I was told I could go pick it up. When I got to the garage to pick up the truck I was informed it was transferred to Auctioned and auctioned off when I had ALREADY PAID 3 months worth of payments to get it back onto of the repossession and homing fee.

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 2024-12-02 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: TN

Complaint narrative:
Creditor Name : XXXX XXXX XXXXXXXX XXXX Disputed Information : Balance : {$3600.00} ( unverified ). 
Account Status : Open ( requires validation ). 
Account Type : Derogatory. 
Remarks : " Account information disputed by consumer, meets FCRA requirements '' investigation required. 
Original Creditor : XXXX XXXX XXXX requires verification of debt transfer and assignment. 
Dispute Codes XXXX : Not mine. 
XXXX : Claims inaccurate information account balance. 
XXXX : Claims inaccurate information account status. 
XXXX : Consumer states inaccurate information. 
XXXX : Disputes other information. 
Compliance Condition Code : XXXX : Consumer disputes ; investigation in progress. 

Reason for Dispute The reporting of this account contains inaccuracies and unverifiable information, which I dispute as follows : The balance of {$3600.00} requires validation. I request detailed documentation of the debt, including : Itemized breakdown of the balance. 
Proof of debt ownership by XXXX XXXX XXXX XXXX 
The account status is listed as " Open '' and " Derogatory, '' which is inconsistent with my understanding of the account. 

The remarks indicate that the account " meets FCRA requirements, '' but no supporting evidence has been provided. 

The original creditor is listed as " XXXXXXXX XXXX XXXX, '' but no documentation of the transfer of ownership or assignment to XXXXXXXX XXXX XXXXXXXX XXXX has been provided. 

Requested Actions Validate the debt and provide supporting documentation, including : Original contract with XXXXXXXX XXXX XXXX 
Proof of assignment or sale to XXXXXXXX XXXX XXXXXXXX XXXX. 
Complete payment history and breakdown of charges. 
If the debt can not be verified, remove this account from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Correct any inaccuracies in the reporting, including account balance, status, and remarks.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Specifically, the bankruptcy was dismissed and should not have any negative impact on my credit score. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, and the Privacy Act of 1974, 5 U.S. Code 552a, I have the right to dispute any inaccurate information on my credit report and to expect that my personal information is handled with the utmost confidentiality and care. 
It has come to my attention that LexisNexis is the data provider for this information. I have already opted out of LexisNexis, and my data should no longer be reported by them. Furthermore, in light of the legal precedent set by XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), superficial investigations are not sufficient for verifying information. Therefore, I request that you conduct a thorough investigation and remove the inaccurate bankruptcy information from my credit report immediately. Please provide me with written confirmation that this information has been deleted. 
After several disputes there is still a lack of method of verification. Under 15 U.S.C. 1681i, I request an immediate reinvestigation of this bankruptcy reporting to verify its accuracy. Additionally, any inaccurate information should be corrected or deleted in compliance with the FCRA. 
Furthermore, the Bankruptcy Code, specifically 11 U.S.C. 524, establishes a discharge injunction that prohibits creditors from attempting to collect a discharged debt. This provision ensures that once a debt is discharged, it is no longer legally enforceable, and any attempt to report it inaccurately is a violation of my rights under the bankruptcy law. 
Should you fail to address this dispute adequately, I intend to pursue all available legal remedies to protect my rights and ensure compliance with all applicable laws, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your attention to this urgent matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did an internal transfer with chase bank to chase bank in the amount of XXXX for an investment account that was a scam. Chase did not initiate any internal investigation for the amount over XXXX witch would have informed me that this account in their bank was a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been having an ongoing dispute with Citibank about a credit card that was never activated, was reported Lost or stolen.

Despite this card being reported as lost or stolen, they charged an annual fee of XXXX dollars and continued to try to collect. This card was never activated!!! they continued to report to credit card bureaus, even though this matter was brought to their attention numerous times. 

They previously agreed this information would be removed from my credit report, as of the last phone call they asserted they not removing it. 

I am a real estate developer. This is the only derogatory information on my credit and it is substantially affecting my ability to sustain myself as my credit is how I earn a living.. 

It seems that there is a lack of communication between the various departments. Regardless, I have communicated this information in writing repeatedly and would like the negative information to be expunged from my record. 

I have previously reported this to their customer service, fraud department, as well as the office of the presidency with no resolution.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''

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 2024-12-02 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: NV

Complaint narrative:
am filing this complaint regarding inaccurate inquiries reported by Equifax on my credit report. These inquiries do not appear to be associated with any of my current accounts or credit applications, and I believe they have been reported in error. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), Equifax is required to ensure the accuracy and integrity of the information they report. As these inquiries are not connected to any legitimate credit applications or accounts under my name, I request that they be investigated and removed promptly. 

Furthermore, under FCRA Section 1681i, I have the right to dispute inaccurate information on my credit report, and XXXX is obligated to conduct a reasonable investigation into the disputed entries. I have made multiple attempts to resolve this issue directly with Equifax, but the inaccurate inquiries continue to be reported, damaging my credit score. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that XXXX complies with federal regulations regarding the removal of inaccurate inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I am formally disputing the inaccurate information regarding a collection account on my credit report. The account in question is listed under the collection agency **Wakefield & Associates Inc.** XXXX with the original creditor being XXXX XXXX XXXX XXXX. The account number is partially listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the **Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I am requesting an investigation into this account and its removal from my credit report for the following reasons : 1. **Inaccurate Reporting Date** : The date reported for this collection account is listed as XX/XX/XXXX, which is a future date and therefore inaccurate. 
2. **Verification of Debt** : Under the **Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I have the right to request validation of the debt. I have not received any validation or verification of this debt from Wakefield & Associates Inc. 
XXXX. **Statute of Limitations** : The date of first delinquency is listed as XX/XX/XXXX. Depending on the statute of limitations for debt collection in my state, this debt may no longer be legally collectible. 
4. **Medical Information** : According to the **Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681c ), consumer reporting agencies are prohibited from including medical information in consumer reports unless it is directly related to a credit transaction. The inclusion of medical debt on my credit report may be in violation of this provision. 
5. **Code of Federal Regulations ( CFR ) ** : Under **CFR Title 12, Part 202, Section 202.7 ( d ) **, financial institutions are prohibited from reporting medical debt to credit bureaus without first attempting to resolve the debt with the patient. 
XXXX. **Multiple Inaccuracies** : The information provided in the image of my credit report includes multiple inaccuracies, including the following : - **Date Reported** : XX/XX/XXXX, a future date. 
- XXXX*Status Date** : XX/XX/XXXX, a future date. 
- **Balance Date** : XX/XX/XXXX, a future date. 
- **Creditor Classification** : Medical or health care, which is not supposed to be included unless directly related to a credit transaction. 

Please conduct a thorough investigation and provide me with written confirmation of your findings. If the information can not be verified, I request that the collection account be removed from my credit report immediately. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-12-02 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: TX

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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