vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( XXXX, Experian, and XXXX ). 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate 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 2024-10-23 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: AL

Complaint narrative:
I RECEIVED MY ANNUAL REPORT AND I AM EXTREMELY UPSET DUE TO IDENTITY THEFT .THERE ARE ALSO NUMBER OF THINGS REPORTING INCORRECTLY ON MY CREDIT REPORT SUCH AS LATE PAYMENTS. THIS IS BEING REPORTED IN ERROR AND AFTER COUNTLESS CONVERSATIONS WITH THE CREDITOR, I HAVE DECIDED TO FILE A COMPLAINT. ACCOUNT IN QUESTION : XXXX XXXX XXXX XXXX XXXX OPERATION. THIS ACCOUNT IS SHOWING 1 LATE PAYMENT ON MY CAR PAYMENT THAT XXXX COMPLETELY INCORRECT AND I WAS TOLD THIS WOULD BE CORRECTED I HAVE MADE NOTHING BUT ONTIME PAYMENTS SINCE HAVING THIS ACCOUNT .I ALSO HAVE INACCURATE ADDRESSES THAT I REPORTED TO ALL THREE CREDIT REPORTING AGENCIES ( BELOW ) THESE ADDRESSES ARE INCORRECT AND WHERE REPORTED AS A RESULT OF IDENTITY THEFT. PLEASE REMOVE THEM!! INCORRECT Addresses : XXXX. XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX AL, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AL, XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX AL, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AL, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AL, 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 2024-10-24 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA S 605B ( 15 U.S.C. S 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX Presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX Balance {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX Presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX Balance {$910.00}

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
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am hereby exercising my right under the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information in your database. The FCRA provides that consumers have the right to dispute any inaccurate information in their credit reports, ensuring that such information is accurate, fair and private. 

In particular, I request the removal of the following addresses, names and dates from my credit history, as I believe they do not accurately reflect my current situation : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX This application is based on several provisions of the FCRA, which ensure the protection of consumer rights : Section 609 ( 15 U.S.C. 1681g ) : Right to receive the information contained in your file in a complete and clear manner, which allows me to identify the inaccuracies I now wish to correct. 

Section 611 ( 15 U.S.C. 1681i ) : Obligation of credit reporting agencies to investigate any dispute of information submitted by a consumer within a reasonable time, usually 30 days, to ensure the accuracy of the data. 

Section 605 ( 15 U.S.C. 1681c ) : Establishes the right to removal of inaccurate, outdated, or unverifiable information from credit reports, protecting consumers from inaccurate data.

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 2024-10-23 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company unlawfully reported my account numbers to 3rd party businesses and now my personal information is floating around XXXX in another country

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
For CC # XXXX XXXX XXXX & XXXX XXXX XXXX XXXX My wife and I remitted payments of {$5100.00} and {$4200.00} which XXXX XXXX bank XXXX XXXX almost immediately, XX/XX/XXXX. We used my wife 's bank account as it had the funds to pay the entire balances before our intro 0 % APR promo rate expired. 

We were told there was a routine 5 day hold on the payments before the credit could again become available ( which was needed to pay other clients for our small business ). During the process, I made daily attempts to pay these clients XXXX XXXX and was declined as the " holds '' were not done. Finally a {$2000.00} payment went through on XX/XX/XXXX and I assumed all was right. 

Both my cards were subsequently locked and frozen, and during a call on XX/XX/XXXX a " XXXX XXXX '' (? ) went on to tell me they suspected fraud and were locking the accounts until early XXXX essentially telling me the Bank XXXX to make sure the payments " cleared '', as they were made from an " account they did not recognize ''. 

Bank payments have XXXX possible statuses : Cleared, pending, rejected. XXXX cleared without any questions on XX/XX/XXXX. Several B of A phone reps told us, and XXXX XXXX told us. Bank of America is fraudulently holding {$10000.00} of our money " in suspense '', without interest, despite these funds being long out of XXXX account. 

XXXX XXXX phone operator XXXX today confirmed the funds left our account and cleared on XX/XX/XXXX, and gave us the payment ID : XXXX. 

I subsequently cancelled both B of A cards in this phone conversation, and demand remuneration for this absolute nonsense.

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 2024-10-23 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-23 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover sent me a pre-qualified offer for a personal loan. I responded with the understanding they would do a soft pull first. Instead they did a hard pull and reported it to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the information reported on my credit file and to express my profound dissatisfaction with how my disputes have been handled, which constitutes violations of the Fair Credit Reporting Act ( FCRA ).

Your recent correspondence indicated that you contacted the creditor regarding my dispute but were still awaiting evidence. This delay is unacceptable and represents a clear violation of Section 607 ( b ) of the FCRA, which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in reporting information.

I have submitted all necessary documentation, including my FTC report and police report number, yet your bureau has continued to claim that I must further substantiate my personal information. This insistence contradicts Section 611 ( a ) ( 1 ) of the FCRA, which entitles consumers to dispute inaccurate or incomplete information. Your failure to act on the provided documentation reflects a serious deficiency in your investigative process. 

In your recent reports # XXXX from XX/XX/year> states that the information is " still pending, '' which should have been communicated to me promptly. Report # XXXX, dated XX/XX/year>, also indicates that the dispute is " still pending, '' with completion projected for XX/XX/year>. Finally, Report # XXXX, dated the same day, states " here 's your results, '' yet the following line merely states " Credit items. '' This lack of clarity and the absence of meaningful results further illustrate that a thorough investigation is not taking place. All of this information was received by me on XX/XX/year>. 

Your bureaus inability to provide tangible evidence and clarity about the outcomes of these disputes demonstrates a blatant disregard for my rights under the FCRA. The incomplete nature of the investigations is indicative of negligence and raises serious concerns about your commitment to maintaining accurate reporting. 

If the inaccuracies and incomplete information are not rectified and the disputed items removed from my credit report immediately, I will have no choice but to pursue legal action for violations of the FCRA and seek damages for the harm caused by your negligence. 

I expect a prompt response and immediate action regarding this matter. Please ensure that all communications related to this dispute are documented and sent to me in writing. 

Sincerely,

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 2024-10-23 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: AL

Complaint narrative:
I am writing to formally dispute an incorrect late payment entry on my credit report associated with XXXX XXXX  XXXX, which is listed under complaint number XXXX. This reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically 15 USC 1681, Sections 602 and 604 ( 2 ), as well as 15 USC 1666b. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/year> Amount : {$460.00} Violation of FCRA ( 15 USC 1681 ) : The inaccurate late payment entry is a clear violation of the FCRA, which mandates accurate and fair credit reporting. 
Violation of FCRA Sections 602 and 604 ( 2 ) : These sections outline the responsibilities of credit reporting agencies to maintain accuracy and the permissible purposes for which credit information can be furnished. The false late payment entry fails to meet these standards. 
Violation of TILA ( 15 USC 1666b ) : This section of TILA requires creditors to promptly credit payments. The alleged late payment was actually made on time and should have been credited as such.

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 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
For two years I have been trying to get monthly statements and loan documents for my mortgage, Fay Servicing will not answer my phone calls, removed my online access, will not respond to voicemails or emails. No responses at all. I filed a previous complaint and Fay just printed some statements and said they have been sending them to me all along, this is simply not true, I have never received a statement in two years. Also the last repayment plan I was offered has conflicting terms in both duration and monthly amounts, I have an email from their lawyers stating the shorter term and lower monthly amount is correct, but I can not get Fay to send me the corrected payment plan, also in my last CPFB complaint they again referenced the incorrect higher amount and longer term which gives them {$26000.00} over what I actually owe in total to get current

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: DISCOVER BANK
State: TX

Complaint narrative:
I am formally notifying you that Discover is engaging in fraudulent and malicious reporting of two inaccurate accounts to the FCRA. These accounts, representing the same credit card, are misleadingly reportedone as open with high utilization and the other as a closed charge-off. 
The attached screenshot from XXXX clearly illustrates this discrepancy. As a direct result of this erroneous information, I have faced unjust denials from creditors. I have never had two accounts with Discover, and this pattern of discrimination and retaliation appears to have escalated after I questioned the accuracy of my account details, for which I was never provided the requested information. Despite my attempts to have these accounts corrected and removed over 30 days ago, there has been no resolution. If this situation is not addressed promptly, I will have no choice but to consider legal action for discrimination and harm caused by this misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax changed the name on my account from XXXX XXXX XXXX to XXXX XXXX XXXX, V without my permission such that they now have an incorrect name. 

Equifax is subsequently reporting fraud to creditors who pull my report due to their error in updating my account with erroneous information. Equifax is refusing to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments ; I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments to " paid on time '' immediately. Thank you for your understanding and prompt action.

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