vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX.I request that my name be updated to reflect the correct information. 

2. Born : My birthday is on XX/XX/year> and the report has listed on 1968 I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my Social Security or passport displaying my correct name and Birthdate Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX. 
Thank you for your cooperation. 

Sincerely,

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 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I uploaded a police report, safe house letter, and a self attested letter signed by my victim advocate. 

XX/XX/XXXX I was denied the 605C relief due to my ID being blurry and the safe house being determined a place for XXXX XXXX XXXX  instead of strictly for XXXX XXXX survivors. As many may know - both go hand in hand and not many local safe houses are for XXXX XXXX only. 

XX/XX/XXXX XXXX XXXX at Experian completely violated my dignity is a human. He offered to read my police report back to me on a recorded line. My police report includes me being XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He accused me of lying about being XXXX because one of my reports stated this was XXXX XXXX. I was subjected to not just XXXX but also XXXX XXXX by my own husband. 

XX/XX/XXXX I uploaded the federal form signed by the detective. XXXX claimed the form was not signed. I uploaded it 2 more times. 

XX/XX/XXXX I called to ensure the copy of the signed form by the detective was received- Experian told me XXXX XXXX was out for the day and no one else could help me. 


XX/XX/XXXX I reach XXXX XXXX. He still treats me as if Im not behind honest and states he will call the detective today. He never called the detective. My report is still filled with my past. There was no further communication on this day. 

This clearance was for housing for me and my daughter. I have begged for the federal rules to be followed, I have been tormented through this process. Over the last few years I have rebuilt my life. 

This representative of Experian has no compassion, no conscious and has violated the FCRA. This is going on day 9. I have submitted documents multiple times showing the most traumatic time in my life and he has treated me like I am garbage in the street.

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 2024-09-25 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: FL

Complaint narrative:
Improper use of my credit report. 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, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MA

Complaint narrative:
I have disputed the validity of reported late payments multiple time requesting that I be sent actual physical proof such as a bank statement proving that I have been indeed late making payment. To date no actual physical proof has been provided. The credit bureaus will continuously " update '' the information on my credit report and have not removed the negative remarks stating that my accounts have been late at least once. They absolutely refuse to send the proof they are required to send if in fact they are doing an actual investigation which is a clear violation of my FCRA rights; According to FCRA rules 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] - ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 602 [ 15 U.S.C. 1666 ] - a creditor may not treat a payment as late for an open ended credit account for any purpose. I have submitted disputes on the following dates ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. As you see I have more than done my due diligence in communicating the credit bureaus XXXX, XXXX, and Equifax on this matter and they absolutely refuse to delete the negative remarks on the accounts that they are reporting I allegedly paid late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: MA

Complaint narrative:
I have disputed the validity of reported late payments multiple time requesting that I be sent actual physical proof such as a bank statement proving that I have been indeed late making payment. To date no actual physical proof has been provided. The credit bureaus will continuously " update '' the information on my credit report and have not removed the negative remarks stating that my accounts have been late at least once. They absolutely refuse to send the proof they are required to send if in fact they are doing an actual investigation which is a clear violation of my FCRA rights; According to FCRA rules 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] - ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 602 [ 15 U.S.C. 1666 ] - a creditor may not treat a payment as late for an open ended credit account for any purpose. I have submitted disputes on the following dates ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. As you see I have more than done my due diligence in communicating the credit bureaus XXXX, Experian, and XXXX on this matter and they absolutely refuse to delete the negative remarks on the accounts that they are reporting I allegedly paid late.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im truly baffled by how inaccurate accounts ended up on my credit report today, and I dont know what went wrong. I checked it like I normally do, but this time, these errors just appeared out of nowhere. I tried refreshing my browser, thinking it was just a mistake, but nothing changed. These errors are still there, and I really need the documents Ive provided to be thoroughly reviewed, so I wont have to deal with this again.

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 2024-09-25 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: FL

Complaint narrative:
XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
Natural Disaster Impact : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between XXXX, XXXX, and Equifax in regard to the payment status and dates further indicate the presence of errors in the report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: SC

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: AR

Complaint narrative:
I am urgently informing you that I am a victim of identity theft, resulting in numerous fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to remove these inaccuracies. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and expect the prompt deletion of these fraudulent entries to restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
I first contacted Zwicker and Associates P.C. in XX/XX/XXXX about my XXXX XXXX  going to them due to non-payment. I contacted them and set up a payment plan for XXXX months for {$100.00}. I had to contact them about a week later because my payment plan was not set up right the first time I contacted them. I never received any documentation for Zwicker and Associates P.C. about the debt other than the document stating thank you for your payment it has been processed. I did contact Zwicker and Associates P.C. on XX/XX/XXXX, to receive debt validation paperwork from them which I did receive on XX/XX/XXXX. 

When I have talked to Zwicker 's associates back in XXXX, the employees were rude and were pushy when I didn't agree to anything they stated. Not XXXX of them ever stated about sending me documents about the debt, they only wanted to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received an email XX/XX/XXXX saying something for a loan was being processed for " XXXX XXXX ''. I assumed it was a scam/spam email, since I have never used XXXX  before, so I ignored it. XX/XX/XXXX I got an email saying I was approved for a {$1400.00} loan for XXXX XXXX. Again I ignored it. I then received emails on XX/XX/XXXX and XX/XX/XXXX with links to XXXX with information about " my loan ''. I did not click the links. On XXXX i got an email with confirmation for a total loan on {$1600.00} being accepted for XXXX XXXX. I got an email on XX/XX/XXXX saying payment for {$140.00} was due in 3 days. On XX/XX/XXXX I tried to reach out to purple mattress with nobody answering my phone call. I also called XXXX and was told over the phone, the loan was my responsibility and that I could fill out an affidavit. I filled out the affidavit and sent it with no response. I email them again and was told that the loan was my responsibility. I tried multiple times to dispute this with them and they denied it. It has since gone to my collections. I do still have all of these emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am writing about a particular issue relating to home insurance, and what I believe to be an unfair practice by my mortgage provider, Wells Fargo. 

I'm a longtime customer of Wells Fargo. I am current on my loan and do not need assistance. I have never missed a payment ; I have never been late with a payment. ( In fact, this is my second loan with the company in two decades. ) The problem relates to how I pay for home insurance. I typically pay for a year of coverage up front, separate from my mortgage payments. 

In XX/XX/XXXX, I inadvertently missed the renewal for my original home insurer, XXXX XXXX XXXX XXXX didn't contact me to ensure I would renew. Nevertheless, this was my mistake. 

But I wasn't aware of the mistake until XX/XX/XXXX, when I received notice by mail from Wells Fargo that my mortgage was without insurance, and that this was against the rules. I immediately bought new coverage ( from XXXX XXXX ) and uploaded that information. 

However, because of the inadvertent lapse in coverage, Wells Fargo is charging me for expensive insurance retroactively for a period of time that's already months past. 

I've notified Wells Fargo and it says the fact that XXXX didn't provide notice isn't its problem. In addition, it's going to charge me for insurance for the period where I didn't have coverage. In other words, too bad. 

I believe that insurance works to cover potential claims in the future ; it doesn't work retroactively. ( One doesn't get into an accident today, and then buy car insurance tomorrow. ) Also, I think that having mortgage lenders impose premiums at will creates opportunities for abuse. Finally, it's troubling to me that roughly a year went by before anyone reached out. 

Once I was notified of a problem, I rectified my mistake immediately. Wells Fargo didn't let me know right away there was a problem, and now I'm paying too dearly for it. That doesn't seem fair. 

I want to work with Wells Fargo on a mutually positive resolution. I'm happy to pay for a year 's worth of insurance at my previous premium level. This offer was not entertained by Wells Fargo. 

I would like the CFPB to be proactive in protecting consumers from abuse by urging Wells Fargo to work with me and others in my situation. 

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 u.s.c. 1681.. 
Account Name 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 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 an account without my written instructions.. 15 u.s.c.1681C. ( A ) ( 5 ) section : 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 antedate the report by more than seven years..

15 u.s.c. 1681 S-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 non-monetary relief
Consumer complaint received 2024-09-25 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 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, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA 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