vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> ), my requests have been ignored. As a result, Equifax is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing. 
Account Information and Discrepancies : Equifax Equifax maintains inaccurate data despite disputes : Days Late - 7 Year History : Reports two 30-day late entries inaccurately. 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Equifax. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple requests for correction ( letters dated XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> ), my requests have been ignored. As a result, Equifax is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing.

Account Information and Discrepancies : Equifax Equifax maintains inaccurate data despite disputes : Days Late - 7 Year History : Reports two 30-day late entries inaccurately. 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Equifax. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX Source Receivable Management company contacted me saying I owed money for a phone bill I never received. The employee on the phone was extremely rude when I told him to send me an itemized bill that showed what was owed because I did not know I owed anyone {$610.00}. He then hung up on me. When I called back his manager answered the phone and told me her name was XXXX XXXX and she would review the call. 

Their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple written requests for correction, dated XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, Experian has neglected to address these errors. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account breaches this legal obligation. Additionally, as per 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the due date, which has evidently not been adhered to given the erroneous late payment entries. 
TILA Violations : The Truth in Lending Act emphasizes accurate and timely disclosures for consumers. The persistent misreporting of late payments on my account has harmed my creditworthiness, which TILA intends to protect. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to deliver timely statements, ensuring consumers are not penalized unfairly. The accounts inaccurate late payment report violates this protection, affecting my financial standing. 
XXXX Action Taken : XXXX has proactively removed the account due to the verified errors in late payment reporting. Despite this corrective action by XXXX, Experian continues to report inaccuracies. 
Experian Reporting History : Late Payments Recorded : 30-day late payments in XXXX and XXXX Two-Year Payment History : Consistent " OK '' status reported except for XXXX and XXXX Days Late - 7 Year History : Experian - 30 days : 2 occurrences This unresolved error impacts my financial reputation and credit score. I formally request the immediate removal of all inaccurate late payment notations from my credit report, as has already been done by XXXX. If the issue persists, I am prepared to escalate my complaint, potentially involving legal action and additional complaints to relevant consumer protection agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple written requests for correction, dated XX/XX/scrub>XXXX XXXX XXXX Experian has neglected to address these errors. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account breaches this legal obligation. Additionally, as per 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the due date, which has evidently not been adhered to given the erroneous late payment entries. 
TILA Violations : The Truth in Lending Act emphasizes accurate and timely disclosures for consumers. The persistent misreporting of late payments on my account has harmed my creditworthiness, which TILA intends to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to deliver timely statements, ensuring consumers are not penalized unfairly. The accounts inaccurate late payment report violates this protection, affecting my financial standing. 
XXXX Action Taken : XXXX has proactively removed the account due to the verified errors in late payment reporting. Despite this corrective action by XXXX, Experian continues to report inaccuracies. 
Experian Reporting History : Late Payments Recorded : 30-day late payments in XXXX and XXXX Two-Year Payment History : Consistent " OK '' status reported except for XXXX and XXXX Days Late - 7 Year History : Experian - 30 days : 2 occurrences This unresolved error impacts my financial reputation and credit score. I formally request the immediate removal of all inaccurate late payment notations from my credit report, as has already been done by XXXX. If the issue persists, I am prepared to escalate my complaint, potentially involving legal action and additional complaints to relevant consumer protection agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-11-01 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: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), my requests have been ignored. As a result, Equifax is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing. 
Account Information and Discrepancies : Equifax Equifax maintains inaccurate data despite disputes : Days Late - 7 Year History : Reports two 30-day late entries inaccurately. 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Equifax. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NC

Complaint narrative:
I am disputing the reporting inaccuracies on my credit file associated with the following account and am formally requesting an immediate review and correction, in compliance with XXXX XXXX standards and the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting Agencies : XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax shows a balance of {$0.00}, XXXX XXXX XXXX XXXX owed. Under FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 standards, furnishers must provide consistent and accurate account information across all bureaus. This inconsistency misrepresents my creditworthiness and violates compliance protocols. 
2. Non-Uniform Reporting of Late Payments o The account shows 30-day late payment markers inconsistently across bureaus. 
These late payments are unverified, and I demand proper documentation validating these claims. FCRA 611 mandates the removal of unverifiable or inaccurate information.

3. Incorrect Comments and Status o XXXX has marked this account with a comment indicating " Dispute Resolved - Reported by Grantor, '' while XXXX lists a different comment. If the dispute is resolved, all bureaus must reflect the same status. This inconsistency violates FCRA 's accuracy requirements under 623.

4. Failure to Reflect Dispute Promptly o My previous dispute was not properly reflected across all bureaus within the mandated timeline, a direct breach of FCRA 611 ( a ), which requires that disputed information be accurately flagged during the investigation process. 
Demand for Immediate Action : I request that within 30 days of receipt of this letter, you : 1. Rectify and synchronize the account balances and late payment records across all reporting bureaus. 
2. Provide validation documentation for any reported late payments, or remove the delinquency markers if validation can not be substantiated.

3. Ensure that all comments and account statuses are consistent across XXXX, Equifax, and XXXX. 
4. Update my credit file to reflect accurate and verified information ; if unable to verify, delete this account from my report as per FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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:
I am disputing the reporting inaccuracies on my credit file associated with the following account and am formally requesting an immediate review and correction, in compliance with Metro 2 standards and the Fair Credit Reporting Act ( FCRA ). 
Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Reporting Agencies : Experian, XXXX, XXXX Violations Identified : XXXX. Inconsistent Reporting of Balance and Status o XXXX shows a balance of {$0.00}, while XXXX reports {$120.00} owed. Under FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 standards, furnishers must provide consistent and accurate account information across all bureaus. This inconsistency misrepresents my creditworthiness and violates compliance protocols. 
XXXX. Non-Uniform Reporting of Late Payments o The account shows XXXX late payment markers inconsistently across bureaus. 
These late payments are unverified, and I demand proper documentation validating these claims. FCRA 611 mandates the removal of unverifiable or inaccurate information. 
XXXX. Incorrect Comments and Status o XXXX has marked this account with a comment indicating " Dispute Resolved - Reported by XXXX, '' while Experian lists a different comment. If the dispute is resolved, all bureaus must reflect the same status. This inconsistency violates FCRA 's accuracy requirements under 623. 
XXXX. Failure to Reflect Dispute Promptly o My previous dispute was not properly reflected across all bureaus within the mandated timeline, a direct breach of FCRA 611 ( a ), which requires that disputed information be accurately flagged during the investigation process. 
Demand for Immediate Action : I request that within XXXX days of receipt of this letter, you : XXXX. Rectify and synchronize the account balances and late payment records across all reporting bureaus. 
XXXX. Provide validation documentation for any reported late payments, or remove the delinquency markers if validation can not be substantiated. 
XXXX. Ensure that all comments and account statuses are consistent across Experian, XXXX, and XXXX. 
XXXX. Update my credit file to reflect accurate and verified information ; if unable to verify, delete this account from my report as per FCRA 611 ( a ) ( 5 ) ( A ).

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 2024-11-01 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: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
In XXXX of XXXX, I received an email from my homeowners insurance company that my policy was in danger of being canceled for non payment. I contacted my mortgage company, Cross Country Mortgage LLC to inquire why it wasn't paid. Got the run around of excuses and they paid it promptly. Now, in the last XXXX  months, they have increased my mortgage payment over {$700.00}. From {$1500.00} to over {$2200.00} per month. They have not responded to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently was reviewing my report because of identity fraud and there is address XXXXXXXX XXXX XXXX XXXX  XXXX  listed I dont recognize..

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 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Apple Card lied or was confusing with terms in relation to APR financing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
My account was hacked all of my information was removed and the money from my account was stolen. I called to report the issue and report the stolen money and I was denied a my refund and denied the information to who it was sent to and how it was authorized, they have hung up on me and refused to reopen the claim. I have screenshots of my account being changed as well

Company response to consumer: Closed with explanation