vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: NJ

Complaint narrative:
Per my previous case XXXX XXXX. The creditor stated that this account was last reported on XX/XX/XXXX. That statement is incorrect all three Consumer Credit reporting agencies are currently reporting this account, with different statuses and balance updates for XX/XX/XXXX and XX/XX/XXXX. So the letter that was submitted to CFPB in XX/XX/XXXX was fraudulent with regards to how the creditor was reporting this account. 
In XX/XX/XXXX, a 1099-C was issued to this account. A 1099-C is considered income per the IRS and will need to be filed as income for my taxes. 
Income is not reported as credit to the consumer credit reporting agencies. Also the creditor sold my information to a third-party debt collector that debt collector was demanding payment for more than double the amount originally owed this situation was resolved in my previous case mention above. 
Also stated in the letter by the creditor that any payment you choose to send is voluntary and or nonrefundable. There are no payments due to the creditor due to the 1099-C this creditor has already received credit per the IRS for this account.

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 2024-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc.
State: FL

Complaint narrative:
As of the beginning Essex Mortgage a financials institution that I did not choose to work with ( loan was sold to them ) they have had a miserable conduct to me! 
I have called to have a split payment accommodation half of it the first week and second on the third week within the 30 days cycles. They were absolutely mad as soon as I asked that. Not only they refuse to set me up for automatic payments but they were brutally answering to me with no help. They said whatever you pay we don't care we still your monthly payment of XXXX $ at the scheduled date no matter if you pay any portion of it in advance. Due to their technical errors with their wiring system they have been returning my automatic payment back with the excuse of insufficient funds. My Bank statement can verifiy that this is a false reason. However I have had a full fight with them from my XXXX XXXX  regarding the XXXX payment. I keep asking to send a wire a same day wire to them they weren't providing me with any info or help. Finally around the end of the month on the XXXX they told me to mail a check to them and I mention to them the long federal holiday ahead ( XXXX ) and that can cause the USPS to delay the check to them, but they told I should be fine. According to my tracking number this has arrived there on the XXXX but their office was closed or maybe the mail man could not find anyone there, I have send them picture of my usps trading number and also my bank statements to verify my ability to pay on time without delay but my calls to them are black listed and they never answer to my Emails. However they pourpesly delay to apply my payment just top report me delinquent late payment to the credit bureaus, that will give them leverage by me being restricted to move over to other mortgage company. I been already denied to refinance my mortgage due to their false reporting to the credit bureaus. That is a false report I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXXXXXX 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 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 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 XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting can not furnish an account without my written instruction 15 U.S.C.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX continues to certified that information IS CORRECT BUT HAS YET TO PROVIDE INFORMATION. 

Delete this account for Violation and inaccuracy because the date open of the account the XXXX  XXXX XXXX Account # XXXX reported is incorrectly on Experian, XXXX and XXXX XXXX In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of XXXX payments are incorrect, and Date reported are incorrect on Experian, 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 explanation
Consumer complaint received 2024-05-28 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:
This is my 4th endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 Balance Owed : {$0.00}

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$XXXX0} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX0} NAVIENT XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX0} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$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 2024-05-28 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: MO

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-05-28 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: MO

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: OR

Complaint narrative:
Subject : Request for Thorough Review of Credit File and Addressing Inconsistencies Dear Credit Bureaus, I am writing to request a thorough review of my credit file and address inconsistencies that I have identified in the information reported. I have previously requested verification of the information, and although you have confirmed its accuracy, upon further examination, I have discovered several discrepancies that need to be addressed. 

One major concern is the inconsistency in my addresses. I have noticed that there are multiple addresses listed on each of the credit reports, none of which are consistent with my actual residential history. I have only lived in XXXX different places throughout my entire life. Firstly, I resided at XXXX XXXX XXXX XXXX until I was around XXXX XXXX XXXX. Then, I lived at the XXXX XXXX  from the age of XXXX until I was about XXXX. Currently, I reside at XXXX XXXX  XXXX XXXX, XXXX XXXX, as I have recently moved. It is crucial that my credit file accurately reflects these addresses [ [ 5 ] ] Furthermore, I have observed discrepancies in the reported dates and amounts associated with certain credit-related information. It is imperative that these inconsistencies are thoroughly reviewed and corrected as necessary. The dates and amounts should align with the accurate and verifiable data to ensure the integrity of my credit file [ [ 1 ] ] According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to maintain accurate and up-to-date consumer credit information. Section 605 ( b ) of the FCRA outlines the requirements for the disclosure of adverse information, including the dates, original payees, and amounts of any checks that form the basis of any adverse characterization of the consumer [ [ 1 ] ] Additionally, Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that consumers have the right to request a thorough investigation of their credit file and have any inaccuracies corrected [ [ 3 ] ] I kindly request that you conduct a comprehensive and meticulous review of my credit file, addressing the inconsistencies in addresses, dates, and amounts as mentioned above. Please ensure that all the information reported accurately reflects my true residential history and financial transactions. I also request that you provide a written response detailing the steps taken to investigate and rectify the identified discrepancies within the timeframe mandated by the FCRA [ [ 6 ] ] Thank you for your prompt attention to this matter. I look forward to a thorough review of my credit file and the subsequent correction of any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX XXXX south XXXX XXXX XXXX XXXX XXXX Oregon 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 2024-05-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX continues to certified that information IS CORRECT BUT HAS YET TO PROVIDE INFORMATION. 

Delete this account for Violation and inaccuracy because the date open of the account the XXXX XXXX XXXX Account # XXXX reported is incorrectly on Experian, XXXX and XXXX XXXX In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : # # # # # # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting can not furnish an account without my written instruction 15 U.S.C.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX Account Number : # # # # # # XXXX, Account Name : XXXX  XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting can not furnish an account without my written instruction 15 U.S.C.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian keeps stating they have verified this bankruptcy they are reporting via their vendor I contacted XXXX and they stated they did not verify this information and has since removed the information from their system. This is my final attempt to get Experian to turn over their vendor information so I may follow up to see if they indeed have the correct information if you fail to respond with the documents I want you to know I will be suing you under FCRA and also filing arbitration based on your service agreement because I did not state I wanted Experian services or that I even wanted you collecting my information to seek as a reseller of consumer data. You have 7 days from the date of this complaint then I reserve my rights to sue.

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 2024-05-28 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: MS

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation