vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: GA

Complaint narrative:
I am very very upset because Experian and XXXX XXXX  because they have caused my credit score to drop XXXX points because of inaccurate information being reported. I have disputed this XXXX XXXX  Account ( XXXX ) and the balance is {$0.00} and you all made an error and insert a unauthorized balance of {$7800.00} balance on my credit file, causing my credit score to drop XXXX points. Before I disputed this account, it was {$80.00}, which was still incorrect. I am HIGHLY upset and is about to seek damages through litigation because the balance is {$0.00} and have been like that for over XXXX months now. I am requesting for this account to be updated immediately or to removed from credit file immediately, if you all can not comply with 15 USC 1681 or HJR 192 of 1933 acts. Please comply immediately. Thanking you in advance!

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please assess and investigate the 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 2024-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Through my list of CFPB complaints ; I have documented the lack of communication, the continued misrepresentation by the investment group owning my mortgage debt separated from the accelerated mortgage, and the ongoing predatory lending practices that are illegal under The Racketeer Influenced and Corrupt Organizations Act ( RICO ). I have continued to work on a loan modification program. 

Instead, the investment organization has stonewalled all efforts for me to work out a modification plan through the banking institution Mr. Cooper. My complaint against these practices are XXXX, XXXX, XXXX, XXXX, XXXX. Upon completion of the requested loan modification package, I requested the application as I was told to complete the MAA ( Mortgage Assistance Application ) from their website. Once completed and submitted, I was later told it was the wrong form and asked to complete the MHAP ( Making Home Affordable Program ). 

After I have finally provided all updated income and requested explanations to identify all sources of income, Mr. Cooper has blocked all access to my loan modification process using the MHAP application package. This tactic is misleading, unfair, and creates a false sense of hope to maintain a primary residence for which I worked extremely hard to develop about 50 % of equity in the primary residence. Their practice of accelerated mortgage allows them to act as a predatory lender, XXXX, to steal all of my built up equity in the foreclosure process. 

As part of my complaint, I had to break one file into two pieces

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: DE

Complaint narrative:
I am writing to dispute the presence of inaccurate and damaging accounts on my Experian credit report. Despite my efforts to rectify this issue and providing evidence, Experian has failed to comply with the law and the Fair Credit Reporting Act ( FCRA ). 

The following accounts are inaccurately reported by Experian : XXXX XXXX Account # XXXX : Experian removed this account from my credit report, which I greatly appreciate. However, there is another XXXX XXXX account that Experian has failed to remove. 
XXXX XXXX  Account # 2 : Experian continues to report a XXXX XXXX account on my credit report, despite receiving notification from XXXX XXXX that this account has been deleted from their records. I have attached a letter from XXXX XXXX confirming the deletion of this account and requesting its removal from my credit report. 
In addition to the letter from XXXX XXXX, I am also attaching a copy of the police report documenting the fraudulent activity and identity theft. 

Experian 's failure to comply with my request and remove this inaccurate account from my credit report is not only a violation of my rights but also against the law and the FCRA. 

I demand that Experian immediately rectify this situation by removing the aforementioned account from my credit report. Failure to do so will result in further legal action. 

Thank you for your prompt attention to this matter.

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 2024-04-26 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After receiving each dispute/investigation results, for the accounts listed, the corresponding updated and verified report is carefully examined. 

It has been noticed, that the date last reported and the date last active concurrently reflect the same dates after each completed investigation, which means that you are ILLEGALLY re-aging these accounts. The date last reported should reflect when you " verified '' these accounts, but the date last active should NOT have changed because no payment was made to these accounts.

IMMEDIATE deletion of the two listed accounts for violation of my federally protected rights. 
I have listed each change in these dates, as well as attached supporting images, that reflect the submission date of dispute and the date that the report was pulled for review. 

XXXX XXXX XXXXXXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported XXXX the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX My dispute letters have been ignored by the listed collectors. The request to furnish a SIGNED contract to verify these accounts has never been fulfilled. Receiving no response makes these unverifiable accounts.

DELETE THESE ACCOUNTS IMMEDIATELY FOR VIOLATION. Both accounts have been ILLEGALLY re-aged.

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 2024-04-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
According to 15 USC 1681e- Compliant procedures, 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.

15 USC 1681i- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( iii ) by not later than 15 days after receiving a request from the consumer description. These items have failed to be verified. I would like to have them removed from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to express my deep dissatisfaction with the handling of my credit account by your company. Two years ago, I signed up for a promotion that advertised NO INTEREST for 2 years, only to later discover that the promotion was not applied to my account and I was being charged regular interest rates. To make matters worse, the company has now retroactively added all of the interest back to my account, causing my balance to skyrocket and negatively impacting my credit score.

In addition to this egregious error, the company has also inexplicably lowered my credit limit, despite the fact that I have consistently made on-time payments and was close to paying off the card in full. This arbitrary decision has only added insult to injury and has further damaged my financial standing. 

I find this behavior to be not only unethical but potentially illegal. In the current economic climate, where many individuals are struggling to make ends meet, it is unconscionable for a company to engage in such deceptive practices and take advantage of its customers. I demand that the accrued interest be immediately removed from my account. 

If this issue is not resolved in a prompt and satisfactory manner, I will not hesitate to escalate my complaint to the XXXX XXXX XXXX, the Federal Trade Commission, and the attorney general. I implore you to rectify this situation and restore my faith in your company 's integrity and commitment to fair business practices. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-04-26 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: GA

Complaint narrative:
Subject : Request for Validation of Bankruptcy Information Dear Experian, I hope this letter finds you well. I am writing to request validation of the bankruptcy information that is currently being reported on my credit report. I recently obtained a copy of my credit report and discovered that there is a bankruptcy listing present. In order to address this matter accurately, I kindly request that Experian provides me with the specific details regarding the bankruptcy, including the method through which this information was obtained. 

Please provide the following information : Date of Bankruptcy Filing Bankruptcy Case Number Court Name and Location where the Bankruptcy was Filed Full details of the Bankruptcy, including the type ( Chapter XXXX, Chapter XXXX, etc. ) Additionally, I would like to know the method through which Experian received this bankruptcy information. It is essential for me to understand the source and accuracy of the information being reported on my credit file. 

I am making this request under the Fair Credit Reporting Act ( FCRA ) Section 609. According to this section, consumer reporting agencies are required to provide consumers with the information in their file and disclose the sources of the information upon request.

I kindly request that Experian responds to this inquiry within the 30-day timeframe as mandated by the FCRA. If it is determined that the bankruptcy information is inaccurate or can not be verified, I request that Experian promptly remove it from my credit report. 

Enclosed with this letter, please find copies of documents supporting my identity, including a copy of my driver 's license and a recent utility bill. I appreciate your prompt attention to this matter and look forward to receiving the requested information. 

Thank you for your cooperation in resolving this matter promptly. 

Sincerely, 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 2024-04-26 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-26 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX  account number XXXX date opened XXXX XXXX / XXXX XXXX {$1100.00} account number XXXX had violated my rights 15 u.s.c 1681 section 1602A states I have the rights to privacy 15 u.s.c 1681 section 604 a section2 it also states a consumer reporting agency can not furnish account without my written instructions

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 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines.

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 2024-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the validation of the debt asociated with Account No : XXXX, which you claim I owe. This correspondence is pursuant to the Fair Debt Collection Practices Act ( FDCPA ), particularly under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2.

Please provide the following : Verification of the Debt : I request a detailed validation of the debt, including the original creditor 's name and address ( XXXX XXXX ), the amount of the debt ( {$540.00} ), and any additional charges or fees. This request is in line with 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Purchase Agreement : As mandated by 12 CFR 1006.34 ( d ), please provide a copy of the purchase agreement between XXXX. XXXX, XXXX and XXXX XXXX, proving your legal authority to collect this debt. 

Licensing and Bonding : Provide documentation confirming that your agency is properly licensed and bonded to collect debts in my state, ensuring compliance with relevant laws. 


This debt is considered in dispute until the aforementioned documentation is provided to me. During the dispute period, you are requested not to report this debt to any credit reporting agencies. All further communications should be done in writing. 

Please be aware that I am knowledgeable about my rights under the FDCPA and the Fair Credit Reporting Act. I will not hesitate to lodge complaints with the Federal Trade Commission and the [ your state ] Attorney Generals Office should my rights be infringed.

Thank you for addressing this matter promptly. I anticipate your reply within the legally required 30 days from the date this letter is received. 

Sincerely, 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