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 — Public record information inaccurate
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 2 3 4 5 6 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IN

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 davs to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated If vour office fails to respond to this validation request within 30 davs from the date of vour receipt. all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately, Also I I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with the following company was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 21 days before the payment due date.

The following company 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!

Delete 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank 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 2024-11-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XXXX 2024, I filed a dispute with XXXX XXXX inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Experian was unsatisfactory, vague, and did not address the specific questions I raised. 
Experian Response : Experian used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, XXXX stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... XXXX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and XXXX provided a generic response about their standard procedures rather than directly answering the questions I posed.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX # XXXX, XXXX, NY, XXXX, XXXX XXXX Ct Unit XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX Av XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX, XXXX, NY, 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : CFPB Complaint Regarding XXXX  XXXX XXXX  Credit Reporting Errors Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a persistent credit reporting issue with XXXX XXXX XXXX XXXX XXXX ( XXXX  ) that has significantly impacted my credit standing despite multiple attempts to resolve the matter directly. 

During my regular credit monitoring, I discovered several erroneous late payment notations on my XXXX  account. What makes this situation particularly frustrating is that I have been enrolled in XXXX XXXX automatic payment program, with payments consistently processed on the XXXX of each month. I have maintained detailed records, including bank statements and payment confirmation emails from XXXX, all of which verify timely payments during the periods in question. 

On XXXX XXXX, I spoke directly with XXXX  representative XXXX XXXX about these inaccurate reports. During our conversation, XXXX XXXX acknowledged that my payments were indeed received on time and explained that the late payment notations were the result of a technical error during their system upgrade. Despite this admission and my multiple follow-up attempts to have this corrected, XXXX  has failed to remove these erroneous marks from my credit report. 

The impact of these incorrect late payment reports has been substantial. My credit score has decreased significantly, affecting my ability to secure favorable credit terms. I have diligently attempted to resolve this matter through multiple channels, including : - Direct communication with XXXX  representatives - Formal written disputes with the credit union - Credit bureau disputes- Multiple follow-up calls and emails I am seeking your intervention to ensure : 1. The immediate removal of all incorrect late payment notations 2. Updates to all credit bureaus reflecting my actual payment history 3. Written confirmation of these corrections 4. Appropriate measures to prevent similar errors affecting other consumers As a consumer who has maintained responsible payment practices, it is particularly disheartening to have my credit standing damaged by acknowledged technical errors that XXXX  refuses to correct. I believe this situation clearly violates the Fair Credit Reporting Act 's requirement for accurate credit reporting and proper dispute investigation. 

I appreciate your attention to this matter and look forward to your assistance in resolving it. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  Date of Birth : XX/XX/XXXX  Social Security Number : 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : CFPB Complaint Regarding XXXX XXXX XXXX Credit Reporting Errors Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a persistent credit reporting issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has significantly impacted my credit standing despite multiple attempts to resolve the matter directly. 

During my regular credit monitoring, I discovered several erroneous late payment notations on my XXXX account. What makes this situation particularly frustrating is that I have been enrolled in XXXX 's automatic payment program, with payments consistently processed on the 1st of each month. I have maintained detailed records, including bank statements and payment confirmation emails from XXXX, all of which verify timely payments during the periods in question. 

On XXXX XXXX, I spoke directly with XXXX representative XXXX XXXX about these inaccurate reports. During our conversation, XXXX XXXX acknowledged that my payments were indeed received on time and explained that the late payment notations were the result of a technical error during their system upgrade. Despite this admission and my multiple follow-up attempts to have this corrected, XXXX has failed to remove these erroneous marks from my credit report. 

The impact of these incorrect late payment reports has been substantial. My credit score has decreased significantly, affecting my ability to secure favorable credit terms. I have diligently attempted to resolve this matter through multiple channels, including : - Direct communication with XXXX XXXX - Formal written disputes with the XXXX XXXX XXXX Credit bureau disputes- Multiple follow-up calls and emails I am seeking your intervention to ensure : 1. The immediate removal of all incorrect late payment notations 2. Updates to all credit bureaus reflecting my actual payment history 3. Written confirmation of these corrections 4. Appropriate measures to prevent similar errors affecting other consumers As a consumer who has maintained responsible payment practices, it is particularly disheartening to have my credit standing damaged by acknowledged technical errors that XXXX refuses to correct. I believe this situation clearly violates the Fair Credit Reporting Act 's requirement for accurate credit reporting and proper dispute investigation. 

I appreciate your attention to this matter and look forward to your assistance in resolving it. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: FIRST PORTFOLIO SERVICING INC
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b it states a creditor can not treat a payment on an account under an open under a consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
Did notreceive proper notification from bank stating late payment on annual fees when i was notified by credit reporting agencies dropping my credit score when i saw my credit score dropping i corrected the annual payment fee and initially they Regions bank cotrected the negative reporting then they put the negative score back on my credit reporting with credit reporting agencies with incorrect information reporting differences with different credit reporting agencies

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: AZ

Complaint narrative:
I am seeking your help with the false account being shown on my credit report. This has impacted my reputation as a customer, and I require your support. Please remove these accounts, as they are reported inaccurately and harmfully.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am seeking your help with the false account being shown on my credit report. This has impacted my reputation as a customer, and I require your support. Please remove these accounts, as they are reported inaccurately and harmfully.

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 — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
They closed my account and had me paying overdraft fees and my account was hacked and I provided all information they requested and still was charged fees for the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Kindly take action to block and remove these incorrect accounts from my credit report without delay.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Addresses on my TransUnion and XXXX are incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> XXXX XXXX XXXX  XXXX, OH

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am seeking your help with the false account being shown on my credit report. This has impacted my reputation as a customer, and I require your support. Please remove these accounts, as they are reported inaccurately and harmfully.

Company response to consumer: Closed with explanation