vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
I am writing to formally follow up on my previous complaint regarding the failure of my credit bureau remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of the Credit Bureau may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
I am writing to formally follow up on my previous complaint regarding the failure of my credit bureau remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of the Credit Bureau may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

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 2024-11-15 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: CARS Acquisition, LLC
State: FL

Complaint narrative:
I am writing to formally follow up on my previous complaint regarding the failure of my credit bureau remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. 
Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of the Credit Bureau may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-11-15 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:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-11-15 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX Account # : XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-15 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: TX

Complaint narrative:
XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process used to review the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. 

Upon reviewing my credit report, I discovered that my XXXX account reflects inaccurate late payments, despite my consistent record of timely payments. It is imperative that consumer reporting agencies ensure all information is reported with complete accuracy, and I am now requesting that Experian thoroughly investigate this account and update the entries to reflect on-time payments. 

Discrepancies in Reporting : The credit reporting agencies have inaccurately recorded late payments on this account that do not reflect my actual payment history. The discrepancies are as follows : XXXX : XXXX late payment in XX/XX/year> Experian : XXXX late payment in XX/XX/year> XXXX : XXXX late payment in XX/XX/year> These entries are incorrect, as I have consistently made all payments on time. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1666 ( b ) ), I am entitled to the accurate reporting of my account history. The presence of these erroneous late payments misrepresents my creditworthiness, potentially constituting a violation of both the FCRA and the Truth in Lending Act ( TILA ). Additionally, sections 15 U.S.C. 1681i and 1681s-2 of the FCRA mandate that credit reporting agencies and information furnishers correct inaccurate or incomplete information in consumer reports to ensure maximum accuracy. 

Requested Action : I request that Experian perform a comprehensive investigation into this account and promptly remove the inaccurate late payment entries to reflect my correct payment history of 100 % on-time payments. 

Please confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 

Sincerely, 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15 USC 1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; XXXX XXXX XXXX Pursuant to 15 USC 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report and then who furnished this information to you.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 
You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. 
All of these violations are a direct violation of 15 USC 1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18 USC 1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages I am invoking my rights as a consumer pursuant 15 USC 1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. 

I will also attach Exhibit 1. EQUIFAX saying they received my request regarding my credit file and also saying they were unable to locate a credit file for you for one of the following reasons : They gives a list of reasons which is a lie! 
Exhibit 2 is my dispute I sent to them I will attach Exhibit A, B, C partial of my credit file that I received from EQUIFAX XX/XX/2024 and the Report Confirmation # XXXX Equifax lied about them not being able to locate my credit file. This is causing great stress on me. And now I think I should seek monetary damages for each inaccuracy that's showing on these credit accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
I have been trying to get a recast completed for over a month, since XX/XX/24. I've both emailed and mailed the requested documents to pay off 90 % of my loan. Roundpoint has not responded. Meanwhile, they continue to delay the process and benefit by collecting interest on a loan I'm trying to pay off. It is impossible to get anyone on the phone in a local office. I need for a local person from the XXXX XXXX office to contact me with an update.

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 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
XX/XX/XXXX, I was finally able to obtain a XXXX XXXX XXXX that both XXXX  and Nationstar refused to ever provide me with to prove the necessity to charge me for XXXX late fees when at XXXX I was only aware of XXXX loan payments having ever been subject to late fees while XXXX serviced my loan. _________________ XX/XX/XXXX I called XXXX to seek information about a reversed XX/XX/XXXX loan payment made within a larger payment XX/XX/XXXX, to which without my knowledge from XXXX to XXXX was reversed by XXXX. It appears Nationstar then their XXXX and beyond legal counsel both knew of this reversed payment and never mentioned it to me while I fought to seek the cause of an alleged missed XX/XX/XXXX payment at Nationstar I paid in full on XX/XX/XXXX. During this recorded call with XXXX, which I have noticed XXXX  to retain all calls, servicing notes and other documents related to their loan XXXX - at XXXX minutes and XXXX seconds, XXXX claimed a payment made XX/XX/XXXX was the returned and reversed payment, yet this XX/XX/XXXX loan payment was not ever recorded to be reversed and so it appears because the XX/XX/XXXX loan payment was never recorded, XXXX chose to reverse my paid and cleared XX/XX/XXXX loan payment. The reversal was for a never recorded XX/XX/XXXX loan payment not for XX/XX/XXXX or XX/XX/XXXX. When I made my XX/XX/XXXX and XX/XX/XXXX loan payments together on XX/XX/XXXX, XXXX materially misrepresented them as paid for XXXX and XXXX inaccurately. ____________________________ Neither Nationstar nor XXXX  will accurately reassess the loan payments months to which they were all inaccurately allocated for 50 months from XX/XX/XXXX to XX/XX/XXXX ( a payment Nationstar claims was never made. ) XXXX XXXX of XXXX and XXXX XXXX for Nationstar both are actively concealing the payment reversal was meant for XXXX not XX/XX/XXXX or XX/XX/XXXX, and that the XX/XX/XXXX loan payment made for XXXX and XXXX are inaccurately claimed as XXXX and XXXX, because they each have the same servicing notes as XXXX did when he contemporaneously read them to me XX/XX/XXXX, while I was being lied to by XXXX XXXX for Nationstar and XXXX XXXX of the XXXX XXXX Department making all of the XXXX payments following all credited to the month before each payment was meant and intended for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 account with XXXX XXXX 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 in to be removed.

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. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: MS

Complaint narrative:
After a review, I found billing mistakes in my credit report with late payments that seem out of place. Please correct these errors and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: AR

Complaint narrative:
I am about to enter repayment on my student loans all handled by EdFinancial, with this I am attempting to submit a repayment plan request. Their website continuously states there is an error when I go to upload the request document, but allows me to submit my income verification. 

I have attempted to contact them over the phone and through live-chat agents, but have never gotten a solution from them. 

My loans are due to start being paid shortly and I am currently stuck with not being able to enter a repayment plan that would allow me to effectively pay off my loans.

Company response to consumer: Closed with explanation