vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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: AL

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
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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

Complaint narrative:
This account never been late XXXX XXXX XXXX XXXX  number XXXX. I have attach the proof of my on time payment. 
It has come to my attention that there are errors on my credit report. Case law in XXXX XXXX XXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or fix it. I am demanding the proof be provided that these accounts are in fact late or removed late payment. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. Please make the requested corrections on the following account XXXX XXXX XXXX XXXX number XXXX Please note that I have opted out in writing of your forced arbitration terms and that I am willing to seek legal relief. Please provide me with an update report within the 30 days established by 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
Consumer complaint received 2024-08-10 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: IL

Complaint narrative:
I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block multiple XXXX  accounts appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. I have repeatedly disputed this information. While other credit bureaus have promptly removed these fraudulent accounts without issue ( see attached proof ), Equifax continues to report this inaccurate and damaging information These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Receiving code XXXX  Score : XXXX Reasons Code : XXXX Text : THIRD-PARTY SECURITY FREEZE ALERT CHEXSYSTEMS from a financial institution. I have contacted all XXXX major credit bureaus to confirm no active freezes. Then contacted Chex Systems directly to provide a report reflecting no freezes. The confirmed there is no freeze but also would not help me with providing information to financial institution who keeps getting this error saying that there is one. Now I have a freeze via Chexsystems that I did not authorize and can not locate.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

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 explanation
Consumer complaint received 2024-08-10 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: FL

Complaint narrative:
I am disputing this account. E-oscar code - 101. I'm NOT LIABLE FOR ACCOUNT NO CONTRACTUAL AGREEMENT Please delete from my credit report 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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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
Consumer complaint received 2024-08-10 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: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
This company ran my credit with a hard inquiry when I was told it would be a soft inquiry. I did not authorize them to pull my credit. They did not say do you authorize me to do a hard inquiry on your credit? The only reason why I called in was because I knew they did soft inquiries first before trying to do a hard inquiry, and they were supposed to check to make sure I wanted to do a hard inquiry but they did not. I emailed in and tried to get them to dispute it but they would not. These companies get plaid off hard inquires and they will do whatever they can, to not dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-08-10 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: IL

Complaint narrative:
I am filing this complaint to bring to your attention that Equifax is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) from appearing on my consumer credit report as result of identity theft and fraud within 4 business. While other credit bureaus have promptly removed these fraudulent accounts without issue ( see attached proof ), Equifax continues to report this inaccurate and damaging information.

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

Complaint narrative:
My original mortgage was with XXXX mortgage. They sold the loan to Roundpoint mortgage in XXXX of XXXX. The process appeared to be ok until I got a bill for a forced insurance policy 3 times the cost of what I was paying for the policy I already had in force. When I called for an explanation from Roundpoint, they say they had been trying to contact me, sending repeated letters to my undeliverable address and getting returned mail. Apparently XXXX had not passed on my correct mailing address and e : mail. So, after I gave them correct contact info and proved I had had full insurance in place, they refunded part of the forced insurance premium, leaving an $ XXXX balance in a involuntarily forced escrow account and adding to my mortgage payment. It turned out they were still needing proof of insurance starting XXXX XXXX when they took the loan over. Again, no attempt to contact me was received by me even though they had the correct info now. So once I straightened this out on XXXX XXXX XXXX, they said they would refund the final money, clear my escrow account and reduce my payment to the original amount in XXXX business days, meaning at the end of XXXX. When absolutely nothing changed by XXXX XXXX XXXX, I called them XXXX XXXX XXXX and they said they were working on the problem but couldn't give any date it would be resolved, even saying a supervisor would try to expedite it. It has now been XXXX days since that phonecall and still I have no refund and my payment still includes the forced insurance amount. This ineptitude is unforgiveable, it needs to be resolved immediately and I also should receive a financial restitution from them for me trouble.

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 2024-08-10 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:
I am a victim of identity theft, and despite my repeated efforts to notify Experian, XXXX, and XXXX about the fraudulent information on my credit reports, they have failed to remove the inaccurate addresses, phone numbers, and employers that do not belong to me. This situation has caused me significant distress and has the potential to harm my financial well-being. 

I have sent multiple letters to XXXX, Experian, and XXXX detailing the fraudulent information and requesting its removal, but to no avail. The addresses, phone numbers, and employers listed on my credit reports are not associated with me, and their presence is a result of identity theft.

The fraudulent accounts and personal information on my credit reports, as well as the addresses mentioned in the documents I provided, clearly indicate that my identity has been compromised. Despite my efforts to rectify this situation, the credit bureaus have failed to take appropriate action.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Experian, XXXX, and XXXX comply with the Fair Credit Reporting Act. It is crucial that the inaccurate and fraudulent information on my credit reports is promptly removed to prevent further harm to my financial reputation and well-being.

Your prompt attention to this matter is greatly appreciated.

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 2024-08-10 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: SC

Complaint narrative:
i discovered an account with XXXX XXXX XXXX listed on my credit report with a balance of {$1300.00}. This account is inaccurate and does not belong to me. I immediately contacted XXXX XXXX XXXX to dispute this erroneous collection. Despite my efforts, including submitting a formal dispute and providing supporting documentation, the company has failed to remove the incorrect information. This negative entry is unjustly impacting my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
I On XX/XX/2024 I received a clear to close. By XXXX and cardinal financial. Later that day documents were prepared. I went to attorneys office and signed all documents including promissory note and given keys to the new home. As I sat there while attorney prepared to wire funds. The attorney told me the lender refuse to authorize release of funds. I called the lender at the closing table to find out what was going on. XXXX XXXX Of XXXX told me the loan was in quality control. 
He said I needed a letter of what my intentions with the home were. Also I needed a note that I can work remote or a job letter. Both of which I provided being the intentions and the job letter. Then he asked me about signature on gift letter which they already received and verify XXXX weeks prior to giving clear to close. Then they started asking about the name on my email. Then they asked me about money I sent to my son via XXXX if it was child support payment. Then after providing a job letter which they verify. They then ask me to provide a direct deposit verification from the employer. If the employer didnt provide direct deposit they the lender would find another solution. 
When I informed them that the employer does provide direct deposit. XXXX then proceeded to tell me. That the FHA deny the loan because you dont have a job in Georgia XXXX When the listing agent called to ask what was the sellers option because the transaction closed. The lender told the listing agent that they could fund the sale. So the seller can get there money. Then they would foreclose on the home. At this point everyone associated with this transaction was bewildered. Ive met all the requirements they asked of me. Up until signing the promissory note everything was good. 
I followed all the instructions they gave me and they led me down the dark road and now Im homeless. Now Im sleep on someone couch for the past week and a half. This experience has been a nightmare for me. XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX cardinal financial. XXXX XXXX of cardinal financial they all made me feel criminalized. Also I requested the denial letter on the denial day and havent received it yet. Ive followed up and still nothing.

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

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