vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for my account with XXXX. 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, including this account.

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 the 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, under the FCRA, 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.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, which provides for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Acts requirements. 

Summary of the XXXX account errors Incorrect Late Payments : All bureaus report a 30-day late payment, despite on-time autopay setup.

Inconsistent Account Status : Account is marked " Paid '' but shows late payments, which is contradictory.

Varying Reporting Dates : Each bureau lists a different " Last Reported '' date. 
Credit Limit Discrepancy : XXXX and XXXX report a {$250.00} limit, while Equifax inaccurately shows {$0.00}. 
These errors violate FCRA standards, and corrections are needed for accurate reporting. 
Requested Resolution : I request that Equifax 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. 

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.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the negative account on my credit report. The discrepancies in how this account is reported across the three major credit bureausTransUnion, XXXX, and XXXXare both misleading and damaging to my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
XXXXECMC This account was created XX/XX/XXXX. XXXX XXXX devastated 80 % of XXXX XXXX XXXX on XX/XX/XXXX, 80 days after this account was originated. I was enrolled at that time- I was unable to continue my education- I made 17 months of XXXX XXXX  payments- I had to file Bankruptcy in ( XXXX ) because I was still having issues trying to PIECE my life back together. I left XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX CLOSED on XX/XX/XXXX for an XXXX  period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally request the Consumer Financial Protection Bureaus assistance in addressing severe inaccuracies and inconsistencies on my credit reports from XXXX, XXXX, and TransUnion. As a victim of identity theft, these errors are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also cause ongoing financial and reputational harm. 
Background 1. Identity Theft and Unverified Accounts I am a victim of identity theft, as evidenced by my submission of an FTC Identity Theft Report. Following the XXXX data breach, I identified unauthorized accounts and transactions on my credit reports. These accounts were fraudulently opened and are not mine. Despite my timely disputes, these items remain inaccurately reported.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I requested that fraudulent accounts be blocked from my credit reports. Under this section, credit reporting agencies are required to block information resulting from identity theft within four business days of receiving appropriate documentation. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that consumer reporting agencies must comply with the statutory requirements of the FCRA once a dispute is filed. The failure of the bureaus to comply with this obligation violates my rights under federal law.

2. Inconsistent and Inaccurate Reporting My credit reports contain discrepancies that violate the accuracy requirements under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must maintain reasonable procedures to ensure maximum possible
accuracy of the information they report. For example : Certain accounts appear on one bureau but not others. 
Account balances, statuses, and dates are inconsistent across reports. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that consumer reporting agencies could be held liable for failing to ensure the accuracy of reported information, particularly when such inaccuracies harm the consumer. These inconsistencies and errors violate my statutory rights and have directly impacted my creditworthiness. 

XXXX. Failure to Investigate Disputes I have disputed these inaccuracies multiple times, yet the credit reporting agencies have failed to conduct reasonable investigations as required under 15 U.S.C. 1681i ( a ). In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, the court emphasized that a consumer reporting agencys investigation must be thorough and reasonable, particularly when the consumer provides evidence to dispute the validity of the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally request the Consumer Financial Protection Bureaus assistance in addressing severe inaccuracies and inconsistencies on my credit reports from XXXX, Experian, and XXXX. As a victim of identity theft, these errors are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also cause ongoing financial and reputational harm. 
Background 1. Identity Theft and Unverified Accounts I am a victim of identity theft, as evidenced by my submission of an FTC Identity Theft Report. Following the XXXX data breach, I identified unauthorized accounts and transactions on my credit reports. These accounts were fraudulently opened and are not mine. Despite my timely disputes, these items remain inaccurately reported.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I requested that fraudulent accounts be blocked from my credit reports. Under this section, credit reporting agencies are required to block information resulting from identity theft within four business days of receiving appropriate documentation. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that consumer reporting agencies must comply with the statutory requirements of the FCRA once a dispute is filed. The failure of the bureaus to comply with this obligation violates my rights under federal law.

2. Inconsistent and Inaccurate Reporting My credit reports contain discrepancies that violate the accuracy requirements under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must maintain reasonable procedures to ensure maximum possible acc
uracy of the information they report. For example : Certain accounts appear on one bureau but not others.

Account balances, statuses, and dates are inconsistent across reports. 
In XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that consumer reporting agencies could be held liable for failing to ensure the accuracy of reported information, particularly when such inaccuracies harm the consumer. These inconsistencies and errors violate my statutory rights and have directly impacted my creditworthiness. 

XXXX. Failure to Investigate Disputes I have disputed these inaccuracies multiple times, yet the credit reporting agencies have failed to conduct reasonable investigations as required under 15 U.S.C. 1681i ( a ). In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court emphasized that a consumer reporting agencys investigation must be thorough and reasonable, particularly when the consumer provides evidence to dispute the validity of the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I used my Apple Pay to purchase two dresses from XXXX on XX/XX/year> for {$79.00} Copy of ad from their website is attached It clearly says at the top of the web page 30 day money back guarantee Ad clearly says made in South Carolina, USA Ad clearly says material is cotton Upon receipt label in both dresses says made in XXXX and 100 % polyester ( no cotton ) I contacted XXXX and they told me their money back guarantee is for quality issues only and wrong place of manufacturing and material used are not considered by them to be quality issues. I could return items at my cost to XXXX but they would not issue any credit. 
I have been back and forth with Goldman Sachs ( Apple Pay ) since XX/XX/year>. They continue to be of no help. They deny the dispute on a regular basis and then reinstate when I give them the details again. Copies of ad, pictures of dress labels etc. have been submitted to Goldman Sachs. XXXX would not send me anything in writing regarding denial. Phone only. 
This is a fraud scam that needs to be stopped. 
I have both dresses unopened and will gladly return if they send prepaid mailer which they have refused to do. 

XXXX website still offers the dresses with the same error in description regarding money back guarantee, place of mfg, and dress material https : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Peer Advisors, LLC
State: WA

Complaint narrative:
Upon my fathers death in XXXX, I tried to purchase his home out of the reverse mortgage that he had on the home at this time. The reverse mortgage was held by HUD and managed by XXXX. Upon his death, I mailed proper documents to proceed with a family sale, including a letter of intent to purchase the home, my fathers will, and an affidavit of heir ship ( that they requested ) in place of a probated estate. I was unable to probate the estate because of the reverse mortgage that was held against his property. They informed me an affidavit of heirship was all they needed to sell the home to me. I tried to contact XXXX. I was never assigned specific caseworker, I was only given a XXXX XXXX number to call and each time I would speak to a different person, The people I spoke to would never give me an extension to speak to them again directly if I called nor did I ever receive an email address to contact them. I requested an appraisal because I was told that I could pay the balance of the loan or 95 % of the appraised value in a short sale, I never received this information and never once received phone calls, emails or letters from XXXX once requested. I did receive a letter of intent to foreclose in XXXX and then the process started all over again again not ever being contacted by anyone at XXXX when requested. In the fall of XXXX, I couldnt even reach them directly via the number that I had, it was routed to a HUD call center, and they in turn said they would contact XXXX to contact me and they never did. XXXX to XXXX and CompuLink is now servicing this loan. They asked me if I was interested in purchasing the home still which I said yes but I wanted compensation for all the time that is past I have been maintaining this home in my fathers name with my own personal money. I do not think its fair that I pay the loan payoff at this time because I had the right to purchase it right after his death. The foreclosure specialist that I spoke with said that they would take that into consideration and she forward me to a family sales specialist, the specialist said that I would have to request a payoff which I did and that because I was my fathers heir I should just pay off the loan and then go through the court system to get the home in my name. He never gave me instruction or offered a price for a family sale after I was told that I had that option once again. XXXX XXXX years have passed and now I have received a letter of an intent to foreclose and accelerate the loan if it is not paid in full. I still would like to purchase this home. It has been my home and primary residence for the majority of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 XXXX XXXX Opened on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX {$0.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to update my personal information accurately, despite my repeated efforts. I have sent multiple letters providing my correct personal details and requesting that the inaccuracies be corrected, but the updates have not been made.

These errors are affecting my credit reports and may hinder my ability to access credit or other financial opportunities. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit bureaus comply with their obligations under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and up-to-date information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This my refiling of complaint to TRANSUNION for still allowing the unauthorized inquiries and fraudulent accounts on my credit report. As I checked my recent credit report again I still see these unauthorized inquiries and fraudulent accounts are reporting on my credit report and no further actions have been taken and they are not taking seriously this matter. I have filed an FTC report which I included here with report number XXXX and 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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