vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding the inaccurate reporting of my mortgage payments. I have discovered that the company has falsely reported three late payments on my account, which is negatively impacting my credit report. I wish to dispute these inaccuracies and request your assistance in resolving this matter. 
Specifically : 1. I made my mortgage payment for XX/XX/year>, on time, and it was successfully processed with the trace number XXXX. I have bank statements that reflect this timely payment, which I can provide upon request. 
2. The mortgage company has also falsely reported my XX/XX/XXXX payment as late, which is not true. I made this payment on time as well. 
3. Despite these on-time payments, XXXX XXXX has erroneously reported them as late to credit bureaus. 
4. Additionally, the company has falsely reported one other payment as late, although I believe all my payments have been made on time. 
In light of these inaccuracies, I am requesting the following actions : 1. That XXXX Cares immediately remove all incorrect late payment reports from my credit report, including but not limited to the false reports for XX/XX/XXXX and XX/XX/XXXX. 
2. That any late fees or penalties incorrectly applied to my account be credited back to me. 
3. That XXXX Cares conduct a thorough review of my account to identify and retract any other false late payment reports that may have been made to credit bureaus. 
4. That XXXX Cares provide written confirmation once these issues have been resolved. 
I have already contacted XXXX Cares directly about this matter, providing them with evidence of my on-time payments. However, I am seeking your intervention to ensure that this situation is resolved promptly and that my rights as a consumer are protected. 
It is crucial that my credit history accurately reflects my payment status. The current inaccuracies are causing undue harm to my credit score and could potentially impact my financial wellbeing. 
I would greatly appreciate your assistance in investigating this matter and ensuring that XXXX Cares takes the necessary corrective actions. Please keep me informed of any developments regarding this complaint. 
Thank you for your attention to this serious matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: SC

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: OK

Complaint narrative:
Dispute June 30 Day Late. Payment was made over the phone with an agent on the line. XXXX Internet Payment Confirmation, XXXX Paid Confirmation Number XXXX Amount {$1400.00} Set to Draw XXXX to Pay XXXX XXXX Never Processed Payment. 

XXXX reported this payment payment 30 days late on my credit report. I was never notified. They will claim it was removed because of history on the account. However, I was able to login set up payment again on XXXX with no issue. This time XXXX did not remove my internet payment. Payments have not been removed since. 

All I ask is XXXX remove the XXXX late remark against my personal credit reporting since they are the ones responsible for this error.

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 2024-09-20 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: OK

Complaint narrative:
Dispute June 30 Day Late. Payment was made over the phone with an agent on the line. XXXX Internet Payment Confirmation, XXXX Paid Confirmation Number XXXX Amount {$1400.00} Set to Draw XXXX to Pay XXXX XXXX Never Processed Payment. 

XXXX reported this payment payment 30 days late on my credit report. I was never notified. They will claim it was removed because of history on the account. However, I was able to login set up payment again on XXXX with no issue. This time XXXX did not remove my internet payment. Payments have not been removed since. 

All I ask is XXXX remove the XXXX late remark against my personal credit reporting since they are the ones responsible for this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: OK

Complaint narrative:
Dispute June 30 Day Late. Payment was made over the phone with an agent on the line. XXXX XXXX Payment Confirmation, XXXX Paid Confirmation Number XXXX Amount {$1400.00} Set to Draw XXXX to Pay XXXX XXXX Never Processed Payment. 

XXXX reported this payment payment 30 days late on my credit report. I was never notified. They will claim it was removed because of history on the account. However, I was able to login set up payment again on XXXX with no issue. This time XXXX did not remove my internet payment. Payments have not been removed since. 

All I ask is XXXX remove the XXXX late remark against my personal credit reporting since they are the ones responsible for this error.

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 2024-09-20 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: FL

Complaint narrative:
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, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-20 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: TN

Complaint narrative:
For the past XXXX years, I have reported to XXXX, XXXX, and Equifax on multiple occasions that someone has stolen my identity. I have contacted creditors about this and have gone as far as getting a police report. I asked all three credit bureaus for proof of authorization on these accounts and inquiries yet, but they will not remove the accounts or inquiries. I have shown proof that XXXX has reported that my information is on the dark web and being used, plus I have multiple letters from different agencies that my information has been leaked due to data breaches of their companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TN

Complaint narrative:
For the past XXXX years, I have reported to XXXX, Experian, and XXXX on multiple occasions that someone has stolen my identity. I have contacted creditors about this and have gone as far as getting a police report. I asked all three credit bureaus for proof of authorization on these accounts and inquiries yet, but they will not remove the accounts or inquiries. I have shown proof that Experian has reported that my information is on the dark web and being used, plus I have multiple letters from different agencies that my information has been leaked due to data breaches of their companies.

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 2024-09-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: CT

Complaint narrative:
I respectfully request that the CFPB investigate this matter and take the necessary steps to ensure that XXXX and XXXX XXXX XXXX are held accountable for its improper actions. I am also requesting the following actions : 1. XXXX and XXXX XXXX XXXX cease all unauthorized access to my credit report. 
2. The removal of any late payments or inquiries that resulted from the unauthorized access. 
3. Compensation for damages as deemed appropriate under 15 U.S.C. 1681n or 1681o for negligent or willful noncompliance with the FCRA. 

Please inform me of the outcome of your investigation and any actions taken against XXXX and XXXX XXXX XXXX. Should you need further information or documentation from me, I am happy to provide it.

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 2024-09-20 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: Self Financial Inc.
State: TX

Complaint narrative:
XXXX  VICTIMS LETTER TO DEBT COLLECTOR XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : XXXX  Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX  XXXX. Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the XXXX. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ).

Below is a list of accounts and inquiries that are the result of this trafficking and should be blocked immediately.

Accounts to be Blocked : 1. SELF Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX Enclosures : Proof of identity XXXX  documentation ( from a federal, state, local, or tribal governmental entity )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX, posted a debt of {$17000.00} on my Experian credit report on behalf of their client XXXX XXXX XXXX based on a civil judgment dated XX/XX/XXXX from the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Case number XXXX. 

I informed XXXXXXXX XXXX XXXXXXXX that there was a class action lawsuit against XXXX XXXX XXXX and my case was part of the suit. The case is no longer listed in the court system because it was removed after I disputed it. 

XXXXXXXX XXXX XXXXXXXX is continuing to report false information and their Experian rep hung up on me when presented with the information. 

The case no longer exists and XXXX XXXX XXXX responded to my previous complaint acknowledging that my case was part of the suit. 

I have requested they remove the information from my report and they refused and told me they wholeheartedly believed I was mistaken and they bet I never even received a notice from the Class action Suit. 

I am a XXXX XXXX  trying to qualify for a VA home loan. 

The account was removed from report in XXXX and they reopened it based on a dismissed lawsuit. They need to be fined, and the false information needs to be immediately removed. They are knowingly refusing to correct the information.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Card Acquisitions Group
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX, posted a debt of {$17000.00} on my XXXX credit report on behalf of their client Military Credit Services based on a civil judgment dated XX/XX/XXXX from the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Case number XXXX. 

I informed XXXXXXXX XXXX XXXXXXXX that there was a class action lawsuit against Military Credit Services and my case was part of the suit. The case is no longer listed in the court system because it was removed after I disputed it. 

XXXXXXXX XXXX XXXXXXXX is continuing to report false information and their XXXX rep hung up on me when presented with the information. 

The case no longer exists and Military Credit Services responded to my previous complaint acknowledging that my case was part of the suit. 

I have requested they remove the information from my report and they refused and told me they wholeheartedly believed I was mistaken and they bet I never even received a notice from the Class action Suit. 

I am a XXXX XXXX  trying to qualify for a VA XXXX loan. 

The account was removed from report in XXXX and they reopened it based on a dismissed lawsuit. They need to be fined, and the false information needs to be immediately removed. They are knowingly refusing to correct the information.

Company response to consumer: Untimely response
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: TX

Complaint narrative:
I was denied the ability to open an account due to a derogatory remark on my file in the XXXX XXXX XXXX XXXX 

I called to obtain information regarding my account status to review the alleged charges and was told that the bank had no record of me as a client. However, the bank maintained that I " must owe money '' otherwise there would be no derogatory remark in the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
I took out a loan with Affirm for a purchase from XXXX on XX/XX/XXXX for {$1300.00}. I ended up returning the item to XXXX shortly thereafter and XXXX reports they issued the refund back to Affirm on about XX/XX/XXXX for {$1300.00}, the full amount. 

Affirm never acknowledged the refund until I contacted them on XX/XX/XXXX. When asked why they held the funds for so long and why the did not apply them to my account/ loan within a reasonable amount of time after receiving the funds from XXXX they, I was told that sometimes the refund get " stuck. '' Affirm had the refunded money, but continued to withdrawal the monthly payments from my account. I am sure the Affirm will refund the payments now that the loan is satisfied with the refunded money, but it seems crazy that they held the funds for well over 30 days and only applied the refund to the loan once I contact them. 

See the attached chat log with Affirm that took place on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: NJ

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.

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
Consumer complaint received 2024-09-20 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consuner information to the best of their ability with Maximum Accuracy. 

I contacted XXXX, XXXX, Transunion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 



contacted XXXX, XXXX, Transunion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Agt. and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.

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