vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PROVIDENT FUNDING ASSOCIATES
State: TN

Complaint narrative:
Duty to Report Accurate Information ( 15 U.S.C. 1681s-2 ) : Section 1681s-2 ( a ) : This section requires that furnishers of information ( like mortgage companies ) only report accurate information to the credit bureaus. If they report inaccurate information knowingly or if they fail to correct the error when notified, they may be in violation of this law.

Duty to Investigate Disputes ( 15 U.S.C. 1681s-2 ( b ) ) : When a consumer disputes the accuracy of information, the furnisher ( in this case, the mortgage company ) must conduct a reasonable investigation. If they fail to investigate or do not update inaccurate or incomplete information, they could be in violation of this provision.

The law requires the furnisher to correct or delete inaccurate, incomplete, or unverifiable information after the investigation.

Duty to Update and Correct Information ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers must promptly update or correct information that is incomplete or inaccurate once they become aware of the issue. Failure to do so could be another violation.

The company 's payment portal was down for several of my attempts when I tried to pay. I have had to call in my payments due to errors. I called in twice and received no response. When I finally got someone to fix my payment method via phone, the autopay didn't update with it. When I called again to ask why my payment was considered late, they set up my autopay but after hurting my score. The company also stated that they didn't receive many of my calls which I have record of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX is reporting false unvalidated information on my XXXX, XXXX and XXXX credit reports. 
Debt : {$1000.00} opened XX/XX/year> Debt 2 : {$1100.00} opened XX/XX/year> Debt 3 : {$1100.00} opened XX/XX/year> Dept 4 : {$1000.00} opened XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Credit Report Information Dear Sir/Madam , I am writing to request an immediate update to my Equifax credit report. I have noticed that while my XXXX and XXXX credit reports are showing my complete and accurate credit information, my Equifax report is missing several critical pieces of data. 

To assist you in verifying my identity and updating my credit report, I have enclosed copies of the following documents : 1. My Social Security card 2. My driver 's license 3. Proof of address ( utility bill/bank statement, etc. ) It is essential that my Equifax credit report accurately reflects my credit history, as discrepancies can adversely affect my credit score and financial standing. I kindly ask that you review my file and update it as soon as possible to ensure consistency across all major credit reporting agencies. 

Please confirm receipt of this letter and the enclosed documents and inform me of the actions taken to correct my credit report. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TEXAS XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Credit Report Information Dear Sir/Madam , I am writing to request an immediate update to my Equifax credit report. I have noticed that while my XXXX and XXXX credit reports are showing my complete and accurate credit information, my Equifax report is missing several critical pieces of data. 

To assist you in verifying my identity and updating my credit report, I have enclosed copies of the following documents : 1. My Social Security card 2. My driver 's license 3. Proof of address ( utility bill/bank statement, etc. ) It is essential that my Equifax credit report accurately reflects my credit history, as discrepancies can adversely affect my credit score and financial standing. I kindly ask that you review my file and update it as soon as possible to ensure consistency across all major credit reporting agencies.

Please confirm receipt of this letter and the enclosed documents and inform me of the actions taken to correct my credit report. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXXXXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-14 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: NH

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 non-monetary relief
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: ND

Complaint narrative:
i recently reviewed my Equifax report and noticed a fradulent hard inquiry on my report from XXXX XXXX XXXX XXXX. Ive never gave them consent to pull my credit report. Please remove the capital XXXX XXXX XXXX hard inquiry off my Equifax credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
Good Evening, My name is XXXX XXXX and I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies and a account from XXXX XXXX that I do not recognize, and I have not authorized any of these accounts. 

As these accounts do not belong to me, I am concerned that my personal information has been compromised. I take this matter very seriously and would like to ensure that my credit report accurately reflects my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I found several accounts on my recent credit report that appear unauthorized and incorrect. Please ensure these fraudulent accounts are blocked and promptly removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
XX/XX/year> Dear CFPB, Subject : Request for Correction of Inaccurate Late Payment Reporting on Account I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX with XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code XXXX, creditors must send periodic statements at least XXXX  days before the payment due date. The late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code XXXX mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting. 
Summary of Errors on Account XXXX-Day Late Payment : Incorrectly reported as XXXX days late in XXXX, despite my consistent on-time payment history. 
Account Status and Remarks : The account status is incorrectly listed as Closed, with remarks indicating the account was late, which inaccurately reflects my payment history and account standing. 
Dispute Status : Incorrectly listed as " Account not disputed, '' despite my previous attempts to rectify this issue through disputes on XX/XX/year> and XX/XX/year>. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within XXXX days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
XX/XX/2024 Dear CFPB, Subject : Request for Correction of Inaccurate Late Payment Reporting on Account I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX with XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting. 
Summary of Errors on Account 30-Day Late Payment : Incorrectly reported as XXXX days late in XXXX, despite my consistent on-time payment history. 
Account Status and Remarks : The account status is incorrectly listed as Closed, with remarks indicating the account was late, which inaccurately reflects my payment history and account standing. 
Dispute Status : Incorrectly listed as " Account not disputed, '' despite my previous attempts to rectify this issue through disputes on XX/XX/2024 and XX/XX/2024. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within 30 days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I received a prepaid debit card in the mail. I contacted Cash App support, told them it was fraud and they told me they could not help me on the phone and had to email their support requesting the card be closed and that I would be followed up with as to how the Cash App Account and card were opened. The next day I filed a police report with my local police department. I also contacted XXXX XXXX since I've been a victim of identity fraud and XXXX XXXX called Cash app support with me on the line and Cash app refused to answer any questions. 

Yesterday, XX/XX/year> I received another Cash App card. Cash app customer support told me the same as before, that they could not help me but had to email XXXX and there was no supervisors that I could speak to. With XXXX XXXX on the line, we contacted XXXX XXXX who issues these cards and they told me they could not help me because I did not make the Cash App account that fraudulently was created in my name. 

They would not answer any questions as to how the account was created, whether my social was used, etc. They would not answer whether it was a marketing tactic to try to get me to open an account with them. 

My credit is frozen and no credit or debit cards should be allowed to be opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief