vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  account on credit report past 7 years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event.

After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NJ

Complaint narrative:
I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$7700.00} XXXXXXXX XXXX XXXX XXXX - {$0.00} I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.

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 2025-02-07 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: ND

Complaint narrative:
HELLO. I HAVE FRAUDULENT NAMES ADDRESSES ON MY CONSUMER REPORT ACCORDANCE TO USC 6801a PROTECTION OF NON PUBLIC PERSONAL INFORMATION ALSO USC 6802 1681b NEVER GAVE WRITTEN CONSENT TO HAVE THESE FRAUD NAMES ADDRESSES TO BF FURNISHED 10 MY CONSUMER REPORTS IF you HAVE XXXX XXXX XXXX! ER you SENT ME AND 1 RETURNED THE LETTER PLEASE SEND IT TO MY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX you ARE BREAKING THE CONSUMER LAW TWICE ALSO USC 1028aoc AGGRAVATED IDENTITY THEFTDELETE THESE FRAUD NAMES, ADDRESSES THEY READ : PLEASE DELETE XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MY XXXX GIVE NAME READS : XXXX XXXX I HAVE SENT PROOF AS WELL WITH THIS AFFIDAVIT ALSO YOU ARE SETTING ME up FOR IDENTITY THEFT AND FRAUD IF A SCAMMER GETS MY INFO you WILL BE LIABLE AND SUED PLEASE CORRECT MY CONSUMER REPORT STOP BEING GREEDY THX YOU VERY MUCH.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Transunion, Equifax, Experian all will not provide me with credit reports or scores. In addition, they will not remove incorrect information from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I mailed my rent check to my landlord, XX/XX/XXXX from a secured mailed box at the US Post Office at XXXX XXXX, XXXX XXXX, CA. The letter was going to another US Post Office a mile away, at XXXX XXXX XXXX XXXX XXXX, CA to my Landlord 's po box . I have done this for the past over ten years and never had an issue. My landlord informed me on XX/XX/XXXX, they had not received my rent check. I looked on my Wells Fargo Checking Account and I saw the check had been cashed. I looked at the back of the check. It had been cashed on XX/XX/XXXX. The name on the back of the check, was clearly not the name of the payee I had made the check-out to on the front of the check. My landlord also has a Wells Fargo account and has a stamp when he cashed my rent check. And WF has copies of my past rent checks for over 15 years, and they can see, my landlord always uses a stamp to endorse the back of my rent checks. The name of whoever stole my check, from the US Post office is clearly not a stamp, and clearly not the name of my Landlord. I went to my branch of WF in XXXX XXXX, CA where I have been banking for 38 years, and I reported the fraud in person. I met with a personal banker XXXX XXXX, XX/XX/XXXX. She contacted the fraud department while I was there and we explained what happened and we printed out a copy of the check, both front and back side. The fraud dept started a case and gave me a case #. The fraud dept person on speaker phone said an investigator would call me in 3-5 days, and also gave me a phone number i could call to follow up as well. No one called me so I tried the phone # provided and it the number wasn't working. So I got another # from WF and on XX/XX/XXXX I followed up with the fraud dept. That's when I was told, they sent me a letter, letting me know I had to sign an affidavit, and have it notarized. No one had said this previously, and I did not receive letter so I went to my branch and sent them the completed affidavit on XX/XX/XXXX I still have not heard anything and no one has contacted me. I received a letter letting me know I would not get my money back unless they get their money back. But no one has told me what they are doing to try and get my money back. I have called the executive office and still I have no information to date XX/XX/XXXX on what is going on with the investigation and I still don't have my money back. I have reported the theft to the US Postal Inspectors and there seems it was an inside job, and It's been reported to The Office of the Inspector General.

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 2025-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TX

Complaint narrative:
I have a medical bill in XXXX i i apid it in XXXX then they take it out of my XXXX  report 2 year later bill when again to my credit report take it off again because i paid already and now the keep charging me the same debt over and over again

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX XXXX XXXX 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 payment 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 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 2025-02-07 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: TX

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX XXXX XXXX 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 payment 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 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : Dispute of Negative Credit Report Entry for XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of a negative entry on my credit report related to XXXX XXXX XXXXXXXX XXXX XXXX. As of XX/XX/year>, it was publicly announced that XXXX XXXX XXXX XXXX XXXX has ceased operations following its parent company, XXXXXXXX XXXX, filing for bankruptcy. In light of these developments, I am challenging the accuracy and completeness of this accounts reporting on my credit file. 

My Requests : Verification of the Account : Pursuant to FCRA 611 ( a ), please verify the accuracy of this account. I request that you provide : The date of first delinquency, The date of the last payment, and The current ownership of the debt.

Proof of Legal Ownership : Please provide documentation that demonstrates that this account is being reported accurately and that I am the legally obligated party. 

Validation of Business Records : Since the creditor is no longer operational, I question the accuracy of their record-keeping and reporting. If the creditor or any third-party furnisher can not verify this account, I request its deletion under FCRA 605.

Removal of Unverifiable Information : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate information. If this account can not be verified in full, I demand its removal from my credit file.

I request that this matter be investigated thoroughly and that I receive written confirmation of the outcome. If the information can not be verified, please delete this entry from my credit report immediately. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sombrero Capital LLC
State: ME

Complaint narrative:
This is a copy of and email dated XX/XX/XXXX to XXXX at XXXX XXXX who is representing them selves as a mortgage servicing agency. They don't answer phone calls and are trying to collect on a timeshare that was cancelled and acknowledged as cancelled XXXX XXXX years ago XXXX XXXX Resorts we have already received a refund from XXXX Resorts. 


I am writing to request your assistance in resolving an issue with account # XXXX. The circumstances surrounding this account have been confusing and concerning, and I would appreciate your prompt attention to ensure this matter is addressed appropriately. 

In XX/XX/XXXX, we purchased the XXXX XXXX points program from XXXX XXXX. This program included several benefits, such as a complimentary week at XXXX XXXX, XXXX additional free weeks at XXXX XXXX, and the ability to use points at affiliated Royal Resorts properties, including XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I was also assured that the membership would integrate with XXXX vacations, allowing me to combine these points with my existing timeshare at XXXX XXXX in XXXX. 

However, on XX/XX/XXXX, I received an email from XXXX XXXX ( see attached ) notifying us that the resort had been acquired by XXXX XXXX. As part of this transition, I was informed that XXXX XXXX was no longer affiliated with XXXX XXXX, the XXXX XXXX program had been discontinued, and access to XXXX vacations was no longer available. This was a significant and unexpected change that was not disclosed during my purchase, leaving me extremely disappointed. 

After reaching out to representatives at XXXX XXXX, it was acknowledged that these changes constituted a " breach of contract '' by XXXX XXXX and in fact what was sold was no longer available.. I followed the instructions provided to cancel my membership and received refunds for the down payments and monthly payments I had made. At that point, I was assured that the matter had been fully resolved. 

Since then, I have not had any further communication until recently, when I received a document from XXXX XXXX stating that you have taken over servicing this account, allegedly from XXXX XXXX XXXX. To the best of my knowledge, I have never had any agreement with XXXX XXXX XXXX, and I believe this account was either included in error during the transfer or mistakenly listed as open. 

I kindly request that XXXX XXXX XXXX this matter and confirm the status of this account. If additional information or documentation is required to assist with your investigation, please let me know, and I will provide it. I would appreciate written confirmation of the resolution as soon as possible. 

Thank you for your attention to this matter. I trust you will address this issue promptly and look forward to hearing from you soon. 

Sincerely, XXXX XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
To Whom It May Concern : This letter is regarding account # XXXX which you claim I owe {$450.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX MA XXXX Last 4 of SSXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX  Dear XXXX  Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Monthly Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was opened in XX/XX/XXXX, yet it is being reported as delinquent starting in XX/XX/XXXX and continuing every month into XXXX. 
Since this is a collection account, new monthly delinquencies should not be reported after the initial charge-off or placement into collections. 
This misleading reporting artificially damages my credit score and violates 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information.

Contradictory Account Details ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no payments, no scheduled payments, and no updates to the balance from XX/XX/XXXX through XX/XX/XXXX, yet the account is still marked as having ongoing missed payments. 
If no payments were due after the charge-off, then reporting continuous missed payments is factually inaccurate. 
This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report only accurate and verifiable information.

Failure to Update Account Status Accurately ( 12 CFR 1002.10 Furnishing of Credit Information ) The credit report states that the original balance was {$720.00}, and the current balance remains {$720.00}, meaning no payments or adjustments have been made.

However, the account is still being marked as newly delinquent each month, even though it should only reflect the original collection entry date. 
This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors update and report credit information correctly.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.

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