vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX  XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2024-03-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-29 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: FL

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: PA

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report by XXXX  XXXX XXXX, as reported by Experian. The account number associated with this dispute is XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 USC 1681 Section 602, 15 USC 1681 Section 604a ( 2 ), and 15 USC 1666b.

15 USC 1681 Section 602 of the FCRA states that I have the right to privacy regarding the information contained in my credit report. Reporting a late payment without proper verification or validation violates this provision of the FCRA.

Furthermore, 15 USC 1681 Section 604a ( 2 ) of the FCRA prohibits a consumer reporting agency, such as Experian, from furnishing information about an account without my written instruction. The reporting of a late payment without my authorization violates this requirement.

Additionally, under 15 USC 1666b of the FCRA, a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose.

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had deposited 2 checks at my Bank of America, Checking account on XX/XX/XXXX. The checks were for {$7000.00} and {$7500.00} drawn on my XXXXXXXX XXXX account. I was informed that the checks are put on hold and will be credited on XX/XX/XXXX. However, I found that XXXXXXXX XXXX had effected the transfer and reduced the balance available on XX/XX/XXXX. I was shocked at this practice and would like to know answers to - ( a ) a decade earlier the same transaction was given credit the next day. Has the inter bank clearing system in USA deteriorated over time that it now takes a week to give credit. This time lag is similar to the one that existed before electronic bank check clearing was introduced. and ( b ) who is enjoying my funds and its interest during this intervening period.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: NY

Complaint narrative:
Hello, someone open a credit card on my name without my knowledge They charged multiple times & amounts I need your help to solve this issue Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: FL

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-29 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: CA

Complaint narrative:
I do not agree with the account listed below. After doing an investigation, information on this account is not accurate and still reporting inaccurate information on my credit report. 
These inaccuracies pertaining to XXXX XXXX XXXX with the account # XXXX are very detrimental to my credit score. I would like this item to be re-investigated immediately According to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I can request the names and business addresses of each individual of whom verified these account as being accurate, so can you please provide me with this information? Please send me a updated copy of my credit report after your re-investigation is completed. Please see attach files for inconsistency and inaccurate information, and thank you for your time.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted IC Systems regarding a credit report entry they had placed. During the conversation with representative XXXX, I verified my identity and requested transaction documents and contracts. XXXX mentioned that these had been sent in XXXX, but I explained that I never received them due to errors in my last name. Stressing the importance of accurate information, I pointed out XXXX 's failure to inform me of my right to dispute the account, which is a violation of the FDCPA. Additionally, she refused my request for payment history information, suggesting I consult my bank statements. I expressed concern that if my name and number were inaccurate, other details might be as well. XXXX responded, " This account has already been substantiated. " She directed me to go online and make a payment. She continually stated, What amount are you willing to settle for today? I will be happy to get that approved!

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On XX/XX/2024 I tried to add my card to my XXXX wallet so that I could use it as I don't keep hardly any physical cards on me for safety and security reasons. When I attempted to add it I was instructed to call a number to verify adding the card to my wallet which was not unusual because I have had to do that with several other cards. I called the number provided and the person taking my request from Barclays said that the card was added and that I was able to use it immediately. I attempted to use it at a store on XX/XX/2024 and it said that my card could not be verified. I then logged into my app to see what was the issue and the card no longer appeared on my app whatsoever, no history, no statements literally no record the card ever existed. I immediately contacted them to see what the problem was and they told me that my card was flagged for " fraudulent application ''. There was no attempt to identify or verify my identity or the validity of any " application ''. The only option that was given to me was to apply for a new card account. It's important to note that my card has been opened for XXXX years with no issues. I have a credit score over XXXX and this is one of my oldest open cards so it will inevitably lower my credit score for no reason. I've never missed a payment, never been late and don't hold balances on any of my cards.

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 2024-03-29 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: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have a mortgage with United Wholesale Mortgage ( UWM ) When I purchased my home in XX/XX/XXXX I set up an escrow account with UWM, and they began collecting sufficient funds to pay my regular and supplemental property taxes when they came due. When I received my supplemental property tax bill for the XXXX tax year, I sent it to UWM to be paid from my escrow funds. Half of the supplemental tax bill was due in XX/XX/XXXX and the other half was due in XX/XX/XXXX. In XXXX, XXXX, UWM paid the entire supplemental bill instead of paying only the XXXX half that was due at the time. This has caused an ongoing problem with my escrow account that I need resolved ASAP. 
On XX/XX/XXXX, UWM did an escrow account analysis which reflected that my total projected property taxes going forward would be {$9100.00} per year, which is correct. The rest of the numbers were completely inaccurate. The escrow analysis estimated that {$4500.00} would be due in XX/XX/XXXX and again in XX/XX/XXXX. These amounts included the regular and supplemental tax assessments. However, because UWM already paid the entire supplemental bill in XX/XX/XXXX, they only needed to pay the regular property tax bills of {$1400.00} due in XX/XX/XXXX and XX/XX/XXXX. The combination of the early supplemental tax payment, and UWMs omission of that payment from the escrow account analysis, made them project that my escrow account would have insufficient funds going forward. 
Since XX/XX/XXXX, I have contacted them multiple times to correct this problem, but they can not seem to get the impound analysis correct even though they issued two additional escrow analysis forms. On the first and second revisions, instead of correcting the projections to reflect what was actually paid and still due, they simply lowered the projected property taxes in XXXX to reflect only the current regular tax bill of {$2900.00} and completely ignored the supplemental taxes. This reduced the shortage slightly but didnt solve the problem because theyre using numbers that they know are incorrect and will create a large shortage starting this XXXX when the actual property taxes come due again. In my last correspondence with UWM, I was told they sold my loan and they cant help me any longer. They suggested that I start all over with the new lender XX/XX/XXXX. 
Even though my mortgage broker and I have explained the problem repeatedly to them, they cant seem to fix it. Since these are trust account funds, they should be handled with precision. I shouldnt have to explain to my lender how to compute property taxes and when to pay them, when the amounts and due dates are written very clearly on the bills provided to them. Please see the included documentation. Thank you in advance for your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention the discovery of fraudulent accounts on my recent credit report. It has come to my attention that these erroneous entries are adversely impacting my creditworthiness and impeding my ability to access credit facilities. Therefore, I kindly request the immediate removal of these accounts from my credit report. 

Attached is my identification and a sworn affidavit for proof of identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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