vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I viewed my credit report and noticed many inaccurate and inconsistent information across the bureaus. I have disputed many times asking for validation of this debt but I keep receiving generic verified updated letters but the inaccurate information is still the same and I have not received any information on what was investigated. There are inconsistencies with the account status, date opened, high credit, credit limit, date last active, and date of payment with each company.

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Regions has been charging an ATM fee that was never disclosed. I had complained previously about the fees and they removed them, this time they will not refund. This is not the fee related to using the atm and being charged for that service. This is an additional penalty from regions for using an atm they do not own/manage. They have charged me hundreds of dollars over the past year and will not refund them. I do not think this is fair, they never disclosed this to me when I opened this account. They also refunded these fees and told me it would not happen again, but have continued to charge them.

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 2024-11-13 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX  ( account number XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Idaho Housing And Finance Association
State: IA

Complaint narrative:
Our home was severely damaged by a tornado on XXXX, XXXX. Due to the amount of damages, HomeLoanServ took the claim check to disburse the monies as needed. The first payout of {$50000.00} was sent to my home address when it should have been sent to the contractor. The check sat for a week at our empty house while we tracked it down and paid the contractor to start repairs. When I inquired why the check was sent to the wrong address, I was given an excuse. They blamed the post office, but the envelope was addressed by their employees. 
On XX/XX/XXXX the contractor sent the next invoice to be paid XXXX. No response. I called on XXXX and was told my email was sitting in the queue with " XXXX of others and didn't know when it will be addressed. '' I was told my adjuster XXXX was " on vacation last week. '' I was put through to him and was told that they needed to send an inspector to view the repairs before issuing the next payment. Meanwhile my house sits in disrepair exposed to the elements. Work was then set back to XX/XX/XXXX ; but without payment no work is being done. On XX/XX/XXXX I called my contractor and they have not yet been paid the amount requested on XX/XX/XXXX. HomeLoanServ was called by my husband and he was told that " the inspector only takes 3 days but was off on XX/XX/XXXX due to holiday. '' It has been XXXX days and yet no inspector, no pictures, and no payment. Meanwhile my family is displaced from our home and this is affecting our quality of life and our finances as my husband is out of work while we are displaced an hour from home and XXXX minutes from his job. He can XXXX XXXX that length of time due to XXXX. 
This also can potentially affect the integrity and stability of the home as it sits unrepaired and exposed to wind, rain, ice and snow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the pa
yment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KP ASSET CONSULTING LLC
State: CA

Complaint narrative:
I have asked their collection compnay to submit paperwork and terms from the loan as I can not locate it. They have refused and said that we are a law office .....

Company response to consumer: Untimely response
Consumer complaint received 2024-11-13 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: AZ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Resulting from the identity theft that should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2024-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Good Day : My XXXX XXXX was totaled in XX/XX/XXXX due other Driver hit me from behind. I submitted a GAP Insurance with XXXX  through Regional Acceptance in which the GAP did not cover the remaining of loan balance due they do not cover back payments but I was not aware of this upon purchasing the car with Regional Acceptance. 

As a 100 % Total & Permanent XXXX Veteran, now I am responsible for the remaining balance of {$6900.00}. I had to purchase another car due to my XXXX which is a financial hardship on me with a fixed monthly income. Moreover, Regional Acceptance or XXXX offers exception due to financial hardship even when vehicle was deemed Total by the other Drivers insurance. 

This should not be that Consumers are responsible for remaining payments when GAP insurance denied claim due to back payments.

That said, please review and if possible assist for new policy for GAP Insurance to cover back payments when car is officially deemed total to relieve financial hardship on consumers.

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 2024-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my 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 explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

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 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 2024-11-13 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: IL

Complaint narrative:
Dear CFPB Representative I am writing to formally escalate my complaint regarding the continued reporting of inaccurate information on my credit of the Issue. I have submitted several disputes regarding inaccurate information on my credit report. Despite multiple follow-ups and submission of evidence that XXXXXXXX XXXX updated its records with XXXX and Equifax on XX/XX/year> to show that there should be no late payment for the months of XXXX, XXXX, and XXXX per the XXXX XXXX  report XXXX the credit reporting agencies have repeatedly verified the inaccurate data as accurate and have continued to report late payment for XXXX, XXXX and XXXX. The continued inaccuracies have caused my credit score to drop by over a 100 point leading to financial hardship, credit denials, and emotional distress. This situation has disrupted my financial stability and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I had a Care Credit by XXXX back around XXXX and they closed it for non use, I had it for emergency vet bills. So I re-opened a new card in XXXX. It had a {$XXXX} limit. Learning they close for non use, I made sure I always kept a small balance because I live paycheck to paycheck and need the card for Vet bills. Normally it would be $ XXXX. When I paid it down, wed go in for her appt and shots. The minimum payment was {$XXXX} and other then a few times a year, like when my insurance bill hit or XXXX, Id pay {$XXXX}. I can only think of a couple of times I forgot to make a payment, mainly because I took it out of my checkbook and forgot to actually pay it, but I did so within the next day. 

Ive never had any negative communication from the company in regard to the account. 

In the Spring we made a few emergency Vet visits, XXXX actually, because of a breathing issue. So the account went to {$XXXX} but not over. So, Ive been paying the usual {$XXXX} and got it down to {$XXXX}, when they sent me an email that they cut my limit to {$XXXX}. Really, whats XXXX XXXX of {$XXXX}? I was shocked and upset because the account was used only for vet bills, it was XXXX XXXX XXXX and in good standing. 

There reasons seem actually comical. 
1-the current ratio of balance to credit limit is too high ( I owed less then half ) 2-The average payment on the account in the last 6 months too low. ( Minimum payment was {$XXXX} and I paid {$XXXX} ). 
3-The ratio of last payment to amount due on this account is too low. ( That may have been my insurance month and I paid {$XXXX}, minimum payment not an underpayment and the balance was {$XXXX}. 
4-The number of months since the account was open is too low. ( Its XXXX XXXX XXXX! ) There response was that it was there right and in their CC agreement along with my credit history. I havent made a late payment on anything in 5 years. I think theyre being ridiculous and their response just as ridiculous. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 8058 ( 15 U.S.C. 1681c-2 ) that you, Transunion, XXXX and XXXX credit reporting agencies, 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 a personal credit cards account opened at XXXX XXXX in XX/XX/XXXX under the account number, also XXXX XXXX in XX/XX/XXXX under the account number and another XXXX XXXX in XX/XX/XXXX under the account number A account was also a business line of credit opened from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX also a XXXX  XXXX XXXX credit card was opened up on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent aacounts. 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 case number ) 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 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