vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3900.00} DEPT OF EDUCATION/ XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ) Time Limits on Reporting This section of the FCRA states that negative information ( e.g., late payments, defaults, collections ) can only remain on your credit report for up to 7 years from the date of the first delinquency, while bankruptcies can remain for up to 10 years. However, accounts in good standing may remain on your credit report indefinitely or for a period determined by the credit reporting agency.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX To : TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by TransUnion. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$10000.00} from XXXX XXXX  , listed on my XXXX XXXX, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align your records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
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 non-monetary relief
Consumer complaint received 2025-01-14 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BSI Financial Holdings, Inc.
State: MN

Complaint narrative:
Mortgage was sold in 2024 to another financial institution. The payments were setup for bi weekly and when the mortgage was sold the full monthly payment had not yet been made and we were charged $ XXXX. When we reached out to the mortgage company they told us we had to go through the old company to resolve but when we reached out to them they said they no longer were able to service or provide information on the account. The fee was force paid this last month and we have no explanation as to why it was charged and had no ability to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to formally request a review of the monthly payment terms on my auto loan for the vehicle I purchased on XX/XX/2024. While I have been doing my best to meet the agreed-upon payment terms, I find that the current monthly payment is unmanageable given my financial situation. 

When I entered into the loan agreement, I did so under the impression that the terms were fair and reflective of my financial capacity. However, after several months of making payments, I realize that the high monthly payment amount is creating a significant strain on my finances. I am concerned that this situation could ultimately harm my credit score if I am unable to consistently meet these obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: IN

Complaint narrative:
am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ). 
Many of these inaccuracies stem from XXXX XXXX, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXX v. Equifax Information Services LLC ( XXXX XXXXXXXX XXXX ). 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays. 
1.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-14 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Dear CFPB : I am writing to formally dispute the actions taken by Innovis regarding the charged-off XXXX account that was previously deleted from my consumer report. Innovis has wrongfully reinstated this account, which was opened fraudulently in my name. The information reported is inaccurate, and I have attached the necessary documentation to support my claims. 

Background on the Dispute As documented in my prior correspondence with Innovis, this XXXX account was originally flagged as fraudulent and subsequently deleted. However, Innovis has now erroneously reinstated the account on my consumer report, which I contend is unlawful. 

To provide further context : The XXXX account was opened fraudulently without my knowledge or consent. 
A police report has been filed to confirm the fraud, and I have attached it along with supporting documentation for your reference. 
Innovis provided a letter to the CFPB on XX/XX/year>, stating the deletion of the account under case # XXXX. Despite this, they have reinstated the account. 
Violation of Consumer Rights Under FCRA Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c ( which prohibits the re-reporting of negative information that was previously removed due to fraud or other errors ), it is clear that once information is deleted following a legitimate dispute, it can not be reinserted unless the reporting agency has followed the appropriate procedures to confirm its accuracy. 

Innovis ' action violates the FCRA and has caused me substantial harm by reintroducing inaccurate and fraudulent information into my credit report. The failure to permanently delete this account is not only a violation of the law but also an infringement on my right to a fair and accurate credit report. 

Requested Action I request that the CFPB intervene and require Innovis to : Permanently delete the fraudulent XXXX charge-off account from my consumer report. 
Provide me with a written update on the status of my dispute, including any actions taken to ensure the account is removed. 
Provide verification that Innovis has complied with the FCRA regarding the re-reporting of deleted negative information, including proper documentation supporting their decision to reinstate this account. 
Supporting Documentation Enclosed are the following documents : A copy of my police report, confirming the fraudulent activity. 
A copy of the correspondence from Innovis, dated XX/XX/year> A copy of my current Innovis report showing the reinstated XXXX account. 
Conclusion The reinstatement of this fraudulent charge-off account is unjustified and unlawful. I trust that the CFPB will take swift action to hold Innovis accountable for their failure to comply with federal consumer protection laws. I look forward to receiving confirmation of your investigation and a resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
On multiple occasions I have received letters in the mail from a debt collector company Zwicker & Associates P.C. stating that they are contacting me to collect a debt. The company has not validated the debt they claim and need to submit the requested documents attached below in this XXXX XXXX XXXX. My full name is : XXXX XXXX XXXX Current address : XXXX XXXX XXXX XXXX, Ohio XXXX Last XXXX of my SSN : ( XXXX ) Date : XX/XX/year> Dear Collector : Zwicker & Associates P.C. XXXX XXXX XXXX XXXX, MA XXXX Im requesting that you validate the debt below. XXXX XXXX Account ending in XXXX. This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor. ( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond. ( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor. ( 6 ). Name and address from the original creditor. ( 7 ). Copy of the original contract bearing my signature. ( 8 ). Chain of title on this debt. ( 9 ). Proof that you can collect this debt from me. ( 10 ). Do you own it or is this debt assigned? ( 11 ). Copies of all letters sent to me from you and from the original creditor. ( 12 ). How much did you buy the debt for? ( 13 ). When was the last date a payment was made on this debt? ( 14 ). What fees/interest was tacked onto the debt? ( 15 ). How were the fees determined? While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Early Warning Services, LLC
State: NC

Complaint narrative:
I checked my credit report and saw an account reporting that is inaccurate due to fraud. I should NOT have any negative account ( s ) reporting under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
I submitted a formal dispute regarding inaccuracies on my credit report that keeps coming back as verified, According to the Fair Credit Reporting Act ( FCRA ), specifically **15 USC 1681 ( a ) ( 6 ) ( b ) ( iii ) **. The following accounts are reported inaccurately : XXXX. XXXX  ( Account # XXXX ) : XXXX This account reflects a 30-day late payment, which is incorrect. I request immediate correction or removal of this inaccurate information. 

XXXX XXXX ( Account # XXXX ) : ** This account also reflects an inaccurate 30-day late payment. Please correct or remove this error immediately. 

XXXX. XXXX XXXX : ** This account shows a 30-day late payment in XX/XX/XXXX, followed by OK statuses, XXXX XXXX in XX/XX/XXXX, and eventual closure. This reporting is inconsistent and inaccurate, as this account was never late. 

XXXX. XXXX XXXX : ** This account is reported as a charge-off. According to the IRS, a 1099-C was filed as of XX/XX/XXXX, but I have not received this form to report on my tax return. This violates IRS regulations, as I am entitled to this form. This further demonstrates the inaccuracy of the reported information. 

XXXX. XXXX XXXX XXXX Account # XXXX ) : ** This collection account was last updated in XX/XX/XXXX, per statement on my report mailed to me XX/XX/XXXX, yet no description of how the dispute was verified has been provided or updated since XXXX it is now year XXXX. I requested this information during multiple disputes in XXXX, XXXX, and XXXX, but Experian has failed to comply. 

I have submitted disputes on the following dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Most recently, my dispute was completed on XX/XX/XXXX. Per **15 USC 1681 ( a ) ( 6 ) ( b ) ( iii ) **, Experian is required to provide a description of the procedures used to determine the accuracy of the information within five days after the completion of the investigation that I requested. As of today, XX/XX/XXXX, this information has not been provided, constituting a violation of my rights under the FCRA. 

These issues have persisted for over XXXX years despite my repeated efforts to have them resolved. I demand the immediate removal of the inaccurate items listed above, as Experians continued failure to correct or delete this erroneous information violates federal law.

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 2025-01-14 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: FL

Complaint narrative:
What I imagine about credit bureaus reporting under people 's names, there's something more that I didn't think about, a lot of things that you really don't know are put on people 's credit reports, even though I'm a legal information theft report, I gave my US ID to verify my identity, they don't want to report my correct name and my address which is correct with me, that's very strange I'm surprised to see that they instead report a lot of false information, give me more than XXXX names, while I have only one account on my credit report, that's crazy, I can't understand that my credit report is different from my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
What I imagine about credit bureaus reporting under people 's names, there's something more that I didn't think about, a lot of things that you really don't know are put on people 's credit reports, even though I'm a legal information theft report, I gave my US ID to verify my identity, they don't want to report my correct name and my address which is correct with me, that's very strange I'm surprised to see that they instead report a lot of false information, give me more than XXXX names, while I have only XXXX account on my credit report, that's crazy, I can't understand that my credit report is different from my identity.

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 2025-01-14 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief