vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANC OF CALIFORNIA, INC.
State: CA

Complaint narrative:
" Banc of California reported a late payment on my credit report because they incorrectly applied my {$5800.00} XX/XX/XXXX payment to my escrow account instead of my mortgage, due to a {$380.00} shortfall for XXXX and XXXX. Although my mortgage payment amount changed in XX/XX/XXXX, I did not receive any notice of this change due to moved to new place and continued paying the old amount through XXXX  XXXX XXXX 's bill pay. 

By the end of XXXX, Banc of California sold my mortgage to another company, yet I still made the XXXX payment to them. My bank account consistently shows a balance of over {$10000.00} each month, so there was no reason I would have paid a {$95.00} late fee instead of the {$190.00} difference. 

I am requesting that Banc of California remove the late payment from my credit report, as they should not have applied my full XXXX payment to escrowespecially considering their decision to sell my mortgage. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: CA

Complaint narrative:
" XXXX XXXX XXXX  reported a late payment on my credit report because they incorrectly applied my {$5800.00} XX/XX/XXXX payment to my escrow account instead of my mortgage, due to a {$380.00} shortfall for XXXX and XXXX. Although my mortgage payment amount changed in XX/XX/XXXX, I did not receive any notice of this change due to moved to new place and continued paying the old amount through XXXX  XXXX XXXX 's bill pay. 

By the end of XXXX, XXXX XXXX XXXX  sold my mortgage to another company, yet I still made the XXXX payment to them. My bank account consistently shows a balance of over {$10000.00} each month, so there was no reason I would have paid a {$95.00} late fee instead of the {$190.00} difference. 

I am requesting that XXXX XXXX XXXX  remove the late payment from my credit report, as they should not have applied my full XXXX payment to escrowespecially considering their decision to sell my mortgage. ''

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 2024-10-18 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: PA

Complaint narrative:
I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: CT

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 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 2024-10-18 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: NJ

Complaint narrative:
The List of accounts below display as hard inquiries on my report & have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts displayed under Equifax that i am unaware of must be removed. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 explanation
Consumer complaint received 2024-10-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
This company obtained my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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:
Recently I did an investigation on y credit report and found several items there to be inaccurate information. Under 15.US Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepare a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been changed or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-18 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: GA

Complaint narrative:
purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have a few things on my credit report that are hurting my credit profile. These two accounts are both reporting on my credit profile that were bought out by third party collection agencies, who I did not authorize or consent my personal information to. Because of this error, it is lowering my credit score, and increase derogatory marks on my credit report. I am unable to get any loans at this time and my interest rates are through the roof. I.C. Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-18 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

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 2024-10-18 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: VA

Complaint narrative:
Hi, there are items on my credit report that have resulted from fraud to which I never benefitted from. These have been previously deleted but the items keep coming back, I have reported them to the federal trade commission but they are not removed from my report.

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 2024-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Credit Collections keeps updating the information on a paid debt from XXXX. It keeps changing the closing date for some reason on my reports. It was closed years ago. Stop updating the information erroneously. Also, I live in the state of Michigan and I could not find a license for Credit Collections on LARA which is the states licensing department. I want proof they are even able to report items on credit reports in Michigan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB Complaint against XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX ; XXXX : XX/XX/year>. The CFPB complaint has been filed to request pursuant to FRCA 605B ( U.S.C. 1681c-2 ) that you, XXXX, Experian, XXXX XXXX reporting agency , block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-18 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: DC

Complaint narrative:
I am writing to formally dispute information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 609.

Upon reviewing my credit report, I discovered the following accounts, which I believe to be inaccurate and not mine : XXXX XXXX XXXX XXXX XXXX XXXX Account Remove me from any authorized user accounts These accounts are not mine, and I am requesting that you provide me with a detailed validation of these accounts, including all documents that were used to verify the accuracy of this information, such as signed agreements or contracts. I understand that you are required to investigate this matter and, if these accounts can not be verified, they must be removed from my credit report. 

XXXX : XX/XX/year> LAST 4 SSN : XXXX Please remove these accounts if you can not provide sufficient evidence that they belong to me. I request that the results of your investigation be sent to me in writing at the above address.

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 2024-10-18 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: DC

Complaint narrative:
I am writing to formally dispute information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 609.

Upon reviewing my credit report, I discovered the following accounts, which I believe to be inaccurate and not mine : XXXX XXXX XXXX XXXX XXXX XXXX Account Remove me from any authorized user accounts These accounts are not mine, and I am requesting that you provide me with a detailed validation of these accounts, including all documents that were used to verify the accuracy of this information, such as signed agreements or contracts. I understand that you are required to investigate this matter and, if these accounts can not be verified, they must be removed from my credit report. 

XXXX : XX/XX/year> LAST 4 SSN : XXXX Please remove these accounts if you can not provide sufficient evidence that they belong to me. I request that the results of your investigation be sent to me in writing at the above address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
I placed my first and only call on XX/XX/XXXX at XXXX XXXX to IQ Data International XXXX XXXX to discuss a debt that was placed in collections. The amount that was placed into collections totaled over {$2500.00}. I initially spoke with XXXX who advised my agent, XXXX, was not in the office that day. I inquired when she would be back in the office and XXXX refused to answer. She attempted to assist me by asking how much I could pay on the debt at the time. I advised I would like to attempt to settle the debt and she stated she would put in a couple requests and go from there. I asked again when XXXX would be in and she refused to answer. She then stated she would submit a Hardship Form for me, but I politely stated I did not want to do that at this time. She then became extremely combative and condescending saying I could not afford to pay my debt in full and immediately placed me on hold without consent or even stating she would be putting me on hold. She cold - transferred the call a different male representative who was even more disrespectful and combative and not forthcoming at all. He continued on to ask me what do you do for a living and stated this conversation is soo fun for nothing for him. As if debt collection is some sort of joke or that his job is entertainment for him. He falsely stated that an eviction was filed on me with an apartment complex in XXXX of XXXX. Which is completely untrue. An eviction was not filed with the any XXXX XXXX court precinct. He also falsely stated that I did not provide a 60 Day Written notice to the property, which is also untrue. I asked if he could provide any court documents showing an eviction was filed and a document showing no written communication was received to the property notifying of me moving out. He immediately disconnected the call. The reason he disconnected the call is because he knows those things he stated are lies. My lease was over on XX/XX/XXXX. I moved out of the property in XX/XX/XXXX. I did not renew my lease and the property manager, XXXX XXXX at Trails at XXXX was aware I was not renewing my lease. No eviction was filed and proper notice was provided. IQ Data representatives did not meet their company values standards at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIP XXXX DATE : XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Account - Discrepancy with XXXX Dear Sir or Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681, which guarantees the right to accurate and complete information in credit reports. I am formally requesting the removal of an account that continues to appear on my credit report, despite the fact that XXXX has already deleted this account from its records, creating a clear lack of uniformity and accuracy among the XXXX credit bureaus. 
Account Details : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information in a credit file is found to be inaccurate or unverifiable, the credit bureau is obligated to correct or remove that information. XXXX has fulfilled this requirement and removed the account from my report. However, my report with [ TransUnionXXXX ] still reflects the incorrect information, which constitutes a violation of my right to have an accurate and complete credit report across all credit bureaus. 
Attached to this letter is evidence of a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), which proves that the account in question was deleted from my XXXX report following an appropriate investigation. 
Additionally, I would like to refer to the case of XXXX XXXX TransUnion XXXX ( XXXX XXXX XXXX ), in which the court held that credit bureaus have a responsibility to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. In this case, it was determined that inaccurate reporting constitutes a serious violation that can cause financial harm to the consumer, which directly applies to my current situation. 
Therefore, I am requesting the immediate removal of this inaccurate account from your records. The attached evidence confirms that this account has already been deleted by XXXX, and steps should be taken to ensure consistency across all three credit bureaus. 
I look forward to a prompt resolution and the update of my credit report accordingly. Should this inaccuracy not be corrected, I will consider taking legal action under the provisions of the FCRA, including seeking punitive damages for continued noncompliance. 
Thank you for your attention to this matter. I am available to provide any additional information necessary to facilitate this process.

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 2024-10-18 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: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
There is no legally admissible evidence to verify the accuracy of what DIVERSIFIED ADJUSTMENT SER. {$1200.00} are is reporting, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by DIVERSIFIED ADJUSTMENT SER, in direct violation of the Fair Credit Reporting Act ( FCRA ). Last month, I have discovered that the DIVERSIFIED ADJUSTMENT SER fraudulent account had been opened in my name without my knowledge or consent. I need proof of a wet signature of an application w/ DIVERSIFIED ADJUSTMENT SER and proof this is a credit transaction w/ DIVERSIFIED ADJUSTMENT SER ; the debt agency is in violation of federal and state laws, and I will go legal if this isnt removed. DIVERSIFIED ADJUSTMENT SER accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation