vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: V and H Portfolio
State: AR

Complaint narrative:
I have a collection account on my XXXX and XXXX reports that does not belong to me. I disputed the the item and both companies replied that the account was valid and belonged to me. I then sent a letter to both XXXX and XXXX invoking the Fair Credit Reporting Act Section 611 requesting : The date you contacted the creditor The contact information for the creditor The name of the person who verified the item to you The method of communication you used to verify this information Did the creditor provide you with my SSN, address, and Date of Birth? 

I still have not received this information nor has it been removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
According to 15 U.S. Code 1681r - Unauthorized disclosures by officers or employees unauthorized disclosures of personal information is against the law. This company violated my rights to privacy reporting unauthorized information to my credit report. ( 15 U.S.C. 1681 ) regulates the use and disclosure of consumer credit information. Unauthorized disclosure of such information can lead to penalties and is against the law. Accuracy and Fairness : The FCRA requires that credit reporting agencies maintain accurate and up-to-date information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NH

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that the ( Equifax ) credit reporting agency block and remove fraudulent information from my consumer credit report within 4 business days of receiving this complaint. As a victim of the Equifax data breach, I am submitting an FTC Identity Theft Affidavit to report a fraudulent late payment appearing on my Equifax FICO credit report. This late payment pertains to an auto loan opened at XXXX XXXX on XX/XX/year>, under account number XXXX, and is reported as delinquent in XX/XX/year>. I do not recognize this late payment, and it is the result of identity theft and fraud. I demand the immediate removal and blocking of this fraudulent late payment activity related to the account. I have attached FTC Identity Theft Criminal Complaint # ( XXXX ) as evidence that this and other fraudulent accounts, collections, and hard inquiries are the result of identity theft. I invoke my rights under the FCRA and FDCPA to ensure this fraudulent late payment ( XX/XX/year> ) is permanently removed and all related activity ceases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. 

According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect.

According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
XX/XX/2023 I entered a contract for the sale of a property and Rate formerly known as Guaranteed rated was the originating lender of the loan backed by the VA. This was my first time buying any property and I was absolutely robbed and scammed not only by the lender during closing in which they never really applied or supplied the tax check for almost XXXX the previous owners was contracted to provide part of the closing arrangements. I a XXXXXXXX XXXX was stuck paying almost XXXX in taxes and I was only occupied the residence 2 days in XXXX  The rep from Guaranteed Rate gave me several excuses told me different things. At closing his story was the title company had the money and I would get the check in the mail in my name, then months later when the taxes came they stated I only had a tax credit that was taken off the price of the house which can not be seen anywhere. I also want to make a complaint due too being charged for the appraisal fee again at closing when I paid for the same appraisal in XXXX I was charged the same fee again at closing. My statements and monthly charge wasn't making sense it was like they were trying to force me in foreclosure and this house should have never been passed on inspection due to the state of the house. This company and any financial institute should not legally be able to charge me almost XXXX for a house sitting on bricks and car jacks with no insulation an the wrong furnace! I reached out to them and they refuse to rectify the issues. They refused to send me my entire closing file stating " privacy concerns ' and its too large? They were in violation with the FDIC a few years prior and I am positive they scammed me and something should be done to further protect citizens and veterans of this country!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX, Chase Bank restricted and closed my personal and business accounts. I filed a complaint that day to which Chase responded that I would have my money after 10 business days. Well now, 10 business days have passed and I still havent gotten my money back. Im being told to continue to call and go to the bank branch for answers. At this point, Chase owes me {$19000.00}. At the branch, the manager tried to help me and she got the run around a from Chase internal departments. Nobody had any answers and this isnt appropriate way to treat customer or employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I noticed an inquiry from XXXX XXXXXXXX bank XXXX XXXX said I owe them Acima said I owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MS

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have violated my rights. 

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

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 2024-12-06 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:
I sent a letter to XXXX XXXX to ask why they were reporting bankruptcy and to investigate this. They sent a letter back to me stating, " They investigated the complaint about the bankruptcy and found it to be " unverifiable ''. However, XXXX XXXX is where XXXX and XXXX receive their information. XXXX XXXX gets their information from XXXX and they do not have any bankruptcy on my file either. So how can the bureaus respond that the bankruptcy is VERIFIED? Please investigate this issue and I have included a letter from XXXX XXXX to prove my complaint. 

XXXX Record type Bankruptcy XXXX  7-discharged

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to XXXX XXXX to ask why they were reporting bankruptcy and to investigate this. They sent a letter back to me stating, " They investigated the complaint about the bankruptcy and found it to be " unverifiable ''. However, XXXX XXXX is where XXXX and Equifax receive their information. XXXX XXXX gets their information from XXXX and they do not have any bankruptcy on my file either. So how can the bureaus respond that the bankruptcy is VERIFIED? Please investigate this issue and I have included a letter from XXXX XXXX to prove my complaint. 

XXXX Record type Bankruptcy XXXX  7-discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: I.C. System, Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt reported by IC System, which reflects an open balance of {$270.00}. I have no knowledge of this company, nor have I incurred any debt with them. 
To the best of my knowledge : 1. I have not incurred any debt with IC System.

2. I have not been contacted or provided with detailed information about this alleged debt, including the original creditor, amount, or relevant dates.

3. I believe this claim may be an error or a case of mistaken identity.

I kindly request the CFPBs assistance in investigating this matter. Specifically, I ask that IC System provide : Verification of the debt, including supporting documentation. 
The name and contact information of the original creditor. 
The date the debt was incurred, along with any other relevant details. 

If IC System can not provide substantiation for this alleged debt, I respectfully request that it be removed from my records immediately. 

Thank you for your attention to this matter. Please let me know if additional information is needed. 

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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 explanation
Consumer complaint received 2024-12-09 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: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: MI

Complaint narrative:
- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX - Phone : XXXX - Email : XXXX Company Information : - Company Name : XXXX XXXX XXXXXXXX - Address : Complaint : I am submitting this complaint to request the immediate deletion of the inquiry from XXXX XXXX XXXXXXXX ( Inquiry : XXXX XXXX, XXXX  ) from my credit report. This inquiry is unauthorized and is causing me significant harm. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681c_ : This law prohibits the reporting of inquiries that are not initiated by the consumer. 
3. _15 U.S.C . 1681i_ : This law requires CRAs to conduct a reasonable investigation of disputed information and delete or correct it if it is found to be 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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi Bank locked my account. When I call to try and talk to inquire about the problem they tell me, We cant give you any information and then they hang up. I made a complaint with CFPB previously and they responded that they sent a letter to a verified address. I havent received any letter to my address. Looking at similar situations on XXXX and XXXX website, other consumers are stating Citi is sending letters to previous addresses. I only live and have access to my current address. How am I going to receive a letter at an address I no longer live at. Citi bank locking peoples money is a reoccurring thing. Please help me recover my funds. Attached is my bank statement from the account my funds were transferred from.

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