vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX XXXX highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!

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 2024-04-19 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: GA

Complaint narrative:
I am writing to formally dispute the inclusion of an outdated and fraudulent account on my credit report, which has recently come to my attention. Following a meticulous examination of my credit history, I uncovered an instalment account that egregiously misrepresents my current financial status. 

This discrepancy not only tarnishes the accuracy of my credit profile but also stands in flagrant violation of legal statutes governing the integrity and accuracy of credit reporting. The account in question exhibits inaccuracies in Account Numbers and the deliberate concealment of certain account details, constituting a clear breach of regulatory standards. 

It is imperative to underscore that this account does not pertain to me and finds no reflection in the records maintained by other reputable credit bureaus. The inclusion of this fraudulent account has inflicted substantal harm upon my creditworthiness and overall financial standing, thereby necessitating immediate redress. I have records that indicate that this {$4500.00} loan is not mine. 

The singular appearance of this account solely within your report raises grave concerns regarding potential fraudulent activity. In light of these circumstances, I am deeply troubled by the implications of this erroneous and deceptive entry, which casts doubt upon the reliability and integrity of your credit reporting practices. 

Accordingly, I hereby demand a comprehensive investgation into the origins and rationale behind the inclusion of this outdated and fraudulent account in my credit report. Furthermore, I urgently request the expeditious removal of said account to rectify the egregious inaccuracies and restore the pristine integrity of my credit information. 

Please be advised that this correspondence constitutes a formal dispute under the provisions delineated within the Fair Credit Reporting Act. As such, I expect and anticipate a prompt and thorough response to this matter, accompanied by transparent actions aimed at remedying the injustices wrought upon my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: OH

Complaint narrative:
I just obtained a copy of my credit report and noticed the following errors. 
XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX I do not have a contract with this company. 
Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation.

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 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
reviewing the contract in question on XX/XX/2021 several violations present which nullifies the contract pursuant 10 CFR 1026.3 named truth and lending. the posted price is also not the price reflected on the contract

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 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

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

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 2024-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing ( SPS ) stated they have made all of the required corrections to my Escrow account but failed to address the following : Fixed loan with no changes to the terms transferred from XXXX to XXXX on XX/XX/XXXX The XX/XX/XXXX statement shows Principal {$250.00} I : {$350.00} Tax & Ins. {$280.00} monthly pymt {$890.00} next payment due XX/XX/XXXX. 
SPS states they corrected the XXXX XXXX insurance premium In XXXX from {$3600.00} to {$2200.00} after receiving the policy XX/XX/XXXX dated XXXX and 6 escrow analysis later. Escrow Only Check # XXXX dated XX/XX/XXXX for {$1400.00} was finally put back into my escrow acct. in XXXX! 
1. The XXXX XXXX payment amount should also reflect SPS corrections P : {$250.00} I : {$350.00} Tax {$1200.00} & Ins {$2200.00} divide by 12 = {$280.00} amount due monthly for 12 months {$900.00} Not {$960.00}. I overpaid {$68.00} monthly X 9 months = total overpaid in XXXX {$610.00} I acknowledge payments XXXX XXXX were applied to missed payments XXXX through XXXX. XXXX XX/XX/XXXX applied to XXXX. XXXX payment and additional payment on XX/XX/XXXX {$2900.00} caught up the months leaving me a credit on the {$2900.00} of {$200.00}. 
Total overpaid in XXXX {$610.00} + $ XXXX {$810.00} SPS states they corrected the XXXX XXXX XXXX insurance premium In XXXX from {$2900.00} to {$2000.00} and 2 escrow analysis later 2. Therefore, the new payment should also reflect SPS corrections P : {$250.00} I : {$350.00} Taxes {$1100.00} & Ins {$2000.00} divide by 12 = {$260.00} amount due monthly for 12 months {$880.00} Not {$960.00}. I overpaid {$88.00} monthly X 12 months = total overpaid in XXXX {$1000.00} Between XXXX XXXX XXXX, I have overpaid {$1800.00} according to corrected policy and escrow # 's. Since SPS claims to have corrected things in Escrow without ever correcting/addressing my monthly payment amount which has remained constant at {$960.00} how? and since Insurance and taxes have decreased in years and have always been included in monthly payments as seen on statements. There is NO way to have an Escrow shortage. With {$1400.00} in escrow when loan was transferred. SPS calling a cash advance to pay taxes and insurance an escrow shortage when in fact my insurance and taxes are included over my 12 monthly payments SPS owes me {$1800.00} and there is NO escrow shortage as I have pulled my insurance for the XXXX year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
UNAUTHORIZED INQURIES THAT I DO NOT RECOGNIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NC

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. 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 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.

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 2024-04-19 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:
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. XXXXXXXX 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 XXXXXXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Orions Management Group, LLC
State: NJ

Complaint narrative:
This company has violated my rights under the FDCPA. Despite lacking and contractural agreement or transaction with Orions Management Group. Please read the two letters I uploaded. They both have conflicting information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

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 2 out of 3 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 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 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 XXXXXX/XX/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 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I asked for agreement that bears the signature of the alleged debtor, detailed payment history and proof that I am indeed the party you are asking to pay this debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} ) I XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told " sorry '', we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with XXXX Police Department. I've also mailed in certified letters to XXXX. I received nothing. Im also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to XXXX security breach. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. I've faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter Consumer XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Crossing # XXXX, XXXX, IN XXXX. He notice several instances where XXXX are in non-compliance with the FCRA. I'm a victim but yet I'm treated as if I'm nothing. The following accounts are : XXXX XXXX XXXX  XXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} )

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 2024-04-19 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account XXXX XXXXXXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} ) I XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told " sorry '', we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with XXXX Police Department. I've also mailed in certified letters to Equifax. I received nothing. Im also sure my information was leaked due to the information breach with Equifax. I was instructed to go to XXXX I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to Equifax security breach. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. I've faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX. He notice several instances where Equifax are in non-compliance with the FCRA. I'm a victim but yet I'm treated as if I'm nothing. The following accounts are : XXXX XXXX XXXX XXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  XXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account XXXX XXXXXXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} ) I XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told " sorry '', we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with XXXX Police Department. I've also mailed in certified letters to XXXX. I received nothing. Im also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to XXXX security breach. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. I've faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX. He notice several instances where XXXX are in non-compliance with the FCRA. I'm a victim but yet I'm treated as if I'm nothing. The following accounts are : XXXX XXXX XXXX XXXXXXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX XXXX XXXX XXXX XXXX  - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} )

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