vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for a mortgage loan with XXXX XXXX XXXX the lender was told my circumstances on XX/XX/XXXX2024 I have the text message proof that he was well aware an the documents were submitted I told him per first phone call I would like to use my retired grandfather as a co-signer because my employment is transitional and I receive survivors benefits he told me oh no XXXX you qualify with your own income its no need to use your grandfather income to qualify we went further into the loan process in which he stated I qualified for XXXX I found a home for XXXX in which I am still under contract but had XXXX settlement dates held up due to last minute discrimination and bias practices towards my minors age XXXX clearly states that per school year is paid to children in school and can last even after XXXX if the child is still enrolled in school an that mortgage lenders are suppose to go by this scenario in order to meet fair housing and credit opportunities to individuals such as myself! However I have been interrogated after I was told all my information was received and that I had to submit nothing else this company breached that email and started asking for grades my minor was currently in for me to submit her report card if I would still be her payee etcetera. This has caused me so much discouragement because of the barriers and illegal discriminatory practices lenders in banks will go through towards individuals who they believe can not pay the loan based off bias factual information! I am appalled at how I was given a disclosure that was submitted XXXX day before my closing date and did not match up to my loan estimate this occurred on XX/XX/XXXX24 my closing was delayed last min due to my daughters age I reached out to all team members and no one responded the loan processor finally responded and continued to say XXXX XXXX/XXXX/24! This has caused my family such distress as a single mom trying to attain homeownership this bank went to the highest extent of bias tactics to make it impossible for me to ever own a home! My child has XXXX  years of school left in which her first out of XXXX years have not even started yet per ssa website says lenders should use at least XXXX  years as if the benefit will last but due to age I was a target of bias misconduct and my loan that is under contract will end on XX/XX/XXXX24 my lock rate will also expire this is very sad that everyone who claimed they were apart of the loan team actually were not even available to be honest about my loan instead I was hanging on to lost hope because their biases towards me showed that my loan will soon be terminated due to my childs age which violates the equal opportunity rights and also the fair housing rights during lending process!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: NC

Complaint narrative:
In XX/XX/XXXX, I disputed 3 times with Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the information on my Equifax credit report. I sent a supporting document from XXXX ( see attachment ) and XXXX stated they have sent the information accurately to the credit reporting agencies and the account was closed in XX/XX/XXXX. The XXXX account identifier number is XXXX. XXXX has reported the information accurately but Equifax has not and will not allow an internal dispute even though the error seems to be with Equifax, not XXXX. Equifax is the only agency reporting it inaccurately. The supporting letter from XXXX on XX/XX/XXXX which I have attached supports what I am saying. When I closed my account in XX/XX/XXXX, I paid the accurate balance in full. XXXX kept reporting erroneously a balance that I disputed through CFPB in XX/XX/XXXX which was subsequently XXXX  and resolved. There should be no activity or reporting of data after XX/XX/XXXX when the account was closed. Equifax further reports additional errors where they show multiple times months when my account was paid as agreed and the following month reports 60 days late instead of 30 days late and respectively 90 days instead of 60 and 120 instead of 90. Please see attached documents with examples of such in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am asking for this to be fixed and no data reported after my account was closed in XX/XX/XXXX which is even reflected on the report as the report itself states there was no activity after XX/XX/XXXX. Even stranger is that XX/XX/XXXX and XX/XX/XXXX are in green, reported as paid, but then late from XX/XX/XXXX to XX/XX/XXXX. It just doesnt make any logical sense the way it is reported and Equifax is the only agency reporting it in error like this. I would greatly appreciate your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

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 2024-07-27 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: NY

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

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 2024-07-27 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: MA

Complaint narrative:
Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX XXXX  YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 explanation
Consumer complaint received 2024-07-27 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is XXXX, and I did not authorize them. Please rectify this 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 explanation
Consumer complaint received 2024-07-27 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: MN

Complaint narrative:
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 USR 1681. account name -XXXX  account XXXX account name -XXXX  Account number XXXX account name - XXXXXXXX XXXX XXXX Account number XXXX Account XXXX XXXX Bank Account number - xxxx Account XXXX XXXX Account Number - XXXX Account Name XXXX XXXX Account Number- XXXX Account Name XXXX XXXX XXXX Account Number- XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Bank Account Number- XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section2. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than XXXX years, 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 2024-07-27 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: MN

Complaint narrative:
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 USR 1681. account name -XXXX XXXX XXXXXXXX account name -XXXX XXXX XXXX XXXX account name - XXXX XXXX XXXX XXXX number XXXX Account XXXX XXXX Bank Account number - xxxx Account XXXX XXXX Account Number - XXXX Account Name XXXX XXXX  Account Number- XXXX Account Name XXXX XXXX XXXX Account Number- XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Bank Account Number- XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section2. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than XXXX years, 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 2024-07-27 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: CarMax, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off on my credit report I have identified a charge-off associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Under IRS guidelines, a charge-off is treated as income for tax purposes. As a result, it should not be reported as a negative item on my credit report, as it is effectively considered settled debt rather than an outstanding obligation. Reporting it as a charge-off misrepresents my financial status and has a negative impact on my creditworthiness. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and not misleading. Since the charge-off reflects a settled debt that the IRS considers XXXX income, it should not be listed as a negative item on my credit report. 
I kindly request that you investigate this matter and remove the charge-off from my credit report if it is determined to be inaccurately reported. Please provide me with written confirmation of your findings and the results of your investigation within the XXXX  days required by the FCRA This is violation of my rights under 15 USC 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: FC HoldCo LLC
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off on my credit report I have identified a charge-off associated with XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  Under IRS guidelines, a charge-off is treated as income for tax purposes. As a result, it should not be reported as a negative item on my credit report, as it is effectively considered settled debt rather than an outstanding obligation. Reporting it as a charge-off misrepresents my financial status and has a negative impact on my creditworthiness. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and not misleading. Since the charge-off reflects a settled debt that the IRS considers XXXX income, it should not be listed as a negative item on my credit report. 
I kindly request that you investigate this matter and remove the charge-off from my credit report if it is determined to be inaccurately reported. Please provide me with written confirmation of your findings and the results of your investigation within the XXXX  days required by the FCRA This is violation of my rights under 15 USC 6802

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 2024-07-27 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: IN

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

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

Delete 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 2024-07-27 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: MA

Complaint narrative:
Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within XXXX  days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.

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