vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My identity has been compromised. Several accounts were opened under my name without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX satisfied mortgager XXXX XXXX. Second mortgager cross country mortgage started payments ; XXXX of {$670.00}. XXXX XXXX raised payment {$880.00} XXXX raise payment again {$1300.00} received letter of notification documents regards to modification on XX/XX/XXXX spoke to XXXX XXXX XX/XX/XXXX she told me to save the monies and assured me that it will be resolved soon. Phone number ( XXXX ) XXXX. 
Since that time I have been getting the runaround with this company in reference to this mortgage modification. 
XX/XX/XXXX spoke with XXXX account still pending she suggested I save the monies until the account is up to date time XXXX XXXX Tuesday XXXX XXXX made an XXXX appointment with XXXX XXXX XXXX XXXX housing counselor , submitted all documents required. Our next meeting was XXXX XXXX at XXXX a call was made to cross country mortgage by XXXX XXXX spoke to a representative and they said they could not email me current payment schedule, only could give verbal payment schedule. This is what I have as XXXX XXXX. 
Payment Past Due {$8100.00} Your payment is greater than XXXX  days past due.

Make Payment Principal & Interest XXXX XXXX XXXX Attention : Your account is not eligible to make payments. Please call us at XXXX for assistance. 
Loan Details Loan Number : # XXXX Maturity Date : XXXX/XXXX/XXXX Interest Rate : 6.25 % UNPAID PRINCIPAL {$68000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX Wednesday I've been trying to rectify the situation since XXXX XXXX XXXX 
I'm a XXXX senior citizen which is on XXXX for XXXX  years trying to stay in her home of XXXX  years this is a frustrating situation and I am truly upset with the unprofessionalism with this company representatives. I need help rectifying this situation I can be reached at XXXX my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX. Documents can be included but have to send separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I am writing to address the ongoing issue with Rent Recovery 's handling of my validation request, which was initiated on XX/XX/2024. Despite the passage of time, Rent Recovery has failed to furnish the requisite documentation as per my request. Furthermore, on XX/XX/2024, I received a contract purportedly bearing my electronic signature. However, I distinctly recall signing any contracts pertaining to this matter with a pen. The inclusion of trumped-up charges in the aforementioned contract is both absurd and inaccurate. Moreover, Rent Recovery 's communication practices have been highly inconvenient, often contacting me at inopportune times. In light of these issues, I kindly request the following information from your company : 1. Can you confirm whether your company is representing the original creditor in this matter? 
2. Could Rent Recovery furnish agreements between themselves and the original creditor? 
3. I seek clarification on the Forward Flow Agreement. 
4. Please specify the nature of the debt claimed to be owed. 
5. I request an explanation and breakdown of the calculations used to determine the amount owed. 
6. Kindly provide copies of any documents demonstrating my agreement to pay the alleged debt. 
7. If applicable, I request verification or a copy of any judgment related to this matter. 
8. Kindly identify the original creditor by providing their full name and address. 
9. I request proof that the Statute of Limitations has not expired on this account. 
10. Please provide evidence of your licensing as a collection agency in the State of North Carolina. 
11. Lastly, could you provide your Bond or Insurance information? 

Your prompt attention to this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: OH

Complaint narrative:
This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the Accounts that are being challenged XXXX CARD which was an account that was never approved of.

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 2024-03-20 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: FL

Complaint narrative:
My name is XXXX XXXX. Upon reviewing again my Equifax credit report, I can still see the unauthorized inquiries that I was requesting to get deleted. I kindly request the deletion and blocking of these items that do not belong to me within the next 24 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate 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 non-monetary relief
Consumer complaint received 2024-03-20 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: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below.

Calvary Portfolio Servic The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. 
Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting inaccurate personal information ( see attachment )

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/2021 I applied for a secured line of credit with Navy Federal I put down a limit of XXXX dollars for XXXX  months I paid my card on time and accordingly. Unfortunately due to a string of tragic events I was unable to keep up with secured card balance. The institution Navy Federal then went on to place my account with months of late payments following a result of my account being labeled Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
I don't recognize these items ( INQUIRY 's ) on my Credit report & they should be looked at and Corrected or removed Indefinitely. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
I don't recognize these items ( INQUIRY 's ) on my Credit report & they should be looked at and Corrected or removed Indefinitely. 
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 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 2024-03-20 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: Alliance One, Inc.
State: MD

Complaint narrative:
XXXX violated my privacy rights and they also violated rights under federal protection. Due to them selling my information to a third party company contact the credit bureau which is unlawful in resulowering my score and hindering me from getting new loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
I recently received a copy of my credit report and found that Experian is illegally reporting incorrect information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$820.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX This is a violation of FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed.

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of the credit report showing your compliance with all FCRA and Metro 2 Reporting requirements. 

With Great Sincerity, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXXXXXX XXXX || Account # : XXXX - XXXX XXXX XXXX  || Account # : 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX XXXXXXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate 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 non-monetary relief