vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: OK

Complaint narrative:
This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to to correct the late open and delete the fraud items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the late open XXXX XXXX XXXX - be corrected and the following frauditems be removed from my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - late open account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Bankruptcy XXXX Liability {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX INDE XX/XX/2022 XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Bankruptcy XXXX Liability {$0.00} ; 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 2024-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BSI Financial Holdings, Inc.
State: LA

Complaint narrative:
On or about XX/XX/XXXX, I called BSI commercial loan servicer and I told them that I will not be able to make the payment for the month because the main tenant had recently XXXX  and the family could not afford to make the rent payments. They told me well just keep in touch. I looked at my statement and the statement showed that I owe thousands of dollars in late fees. I asked the company 's representative why was this so. And she told me that it was over {$70.00} per day that I was late. She referred me to The document in the mortgage that states : " late charges for overdue payments, if the note holder had not receive the full amount of any monthly payment by the end of XXXX calendar days after the date it is due, I will pay a late charge to the note holder. The amount of the charge will be XXXX  % of that portion of the installment of the principal and interest that is overdue. I will pay this late charge promptly but only once on each late payment. '' This did not say that I will be charged per day. I am now old thousands of dollars in late fees. 
XXXX what's the original mortgage holder, BSI is XXXX of the successors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: AL

Complaint narrative:
my name is XXXX XXXX I'm the account owner of XXXX XXXX  on my credit report it's listed as XXXX XXXX and the now closed account number is XXXX this account is being listed as having unverified late payments. I have never been late on this account. Im requesting for deletion of all late payments listed on this account being that it is a violation of 15 USC 1666B.

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 2024-06-08 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: NY

Complaint narrative:
I am using my right to request an investigation and dispute these accounts, as they are wrongly listed on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccuracies on a consumer 's credit report.

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 2024-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I am filing this complaint against Robinhood Credit XXXX XXXX due to their failure to provide the required initial privacy notice as mandated by 15 U.S. Code 6803. This violation has resulted in the improper sharing of my nonpublic personal information with consumer reporting agencies without my informed notice. 

Detailed Summary : 1. **Lack of Initial Privacy Notice : ** According to 15 U.S. Code 6803, Robinhood Credit XXXX XXXX is required to provide a clear and conspicuous privacy notice at the inception of our customer relationship. I do not recall receiving such a notice at the start of my relationship with Robinhood CrediXXXX XXXX XXXX 

2. **Violation of Federal Privacy Laws : ** The absence of this required initial privacy notice constitutes a violation of federal privacy laws. This failure to comply with legal requirements has compromised the transparency and understanding of how my personal information is handled. 

3. **Improper Information Sharing : ** Due to the lack of the required privacy notice, I was not informed about Robinhood Credit XXXX XXXX XXXX policies and practices regarding the sharing of my nonpublic personal information with consumer reporting agencies and other third parties as allowed under section 6802 ( e ). As a result, Robinhood Credit XXXX XXXX has shared my personal information without providing me with adequate notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: PA

Complaint narrative:
FCRA 605B seems to necessitate the removal of any incorrect accounts from my credit report. Could you examine the documents? There are inaccuracies in the reporting, amounts, and dates of some accounts.

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 2024-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against the credit reporting agencies, XXXX XXXX, Trans Union, XXXX, and XXXX, regarding fraudulent, inaccurate, incomplete, or unverifiable accounts, inquiries, and addresses on my credit report. I have attempted to resolve these issues directly with the Consumer Reporting Agency on numerous occasions, but have been unsuccessful in obtaining a satisfactory resolution. I am writing to dispute the inaccurate, incomplete, and unverifiable information that appears on my credit report, which was recently obtained from your agency. The inclusion of this erroneous information is adversely affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal statutes, including the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ).

I have identified the following issues with the information reported on my credit report : Inaccuracy : The information reported on my credit report is inaccurate and does not reflect my true financial status. 
Incompleteness : The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history. 
Unverifiability : I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency.

I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. I also request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.

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 2024-06-08 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: GA

Complaint narrative:
I am writing to file a formal complaint against the credit reporting agencies, XXXX XXXX, XXXX XXXX, Equifax, and XXXX, regarding fraudulent, inaccurate, incomplete, or unverifiable accounts, inquiries, and addresses on my credit report. I have attempted to resolve these issues directly with the Consumer Reporting Agency on numerous occasions, but have been unsuccessful in obtaining a satisfactory resolution. I am writing to dispute the inaccurate, incomplete, and unverifiable information that appears on my credit report, which was recently obtained from your agency. The inclusion of this erroneous information is adversely affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal statutes, including the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ). 
I have identified the following issues with the information reported on my credit report : Inaccuracy : The information reported on my credit report is inaccurate and does not reflect my true financial status. 
Incompleteness : The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history. 
Unverifiability : I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency.

I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. I also request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: MD

Complaint narrative:
I am exercising my right to dispute and investigate these accounts, which are incorrectly reported on my credit file. Under the Fair Credit Reporting Act, I should be awarded {$1000.00} for each erroneous report. FCRA 605B obligates us to report any inaccuracies found on a consumers report.

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 2024-06-08 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$540.00XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-06-08 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: NY

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 the months that I was late 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.

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 2024-06-08 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: NY

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 the months that I was late 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.

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 2024-06-08 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: NY

Complaint narrative:
I am using my right to request an investigation and dispute these accounts, as they are wrongly listed on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccuracies on a consumer 's credit report.

Company response to consumer: Closed with non-monetary relief