vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: MD

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I discovered several accounts on my credit report that I believe are fraudulent. I request their immediate removal and blocking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I did not originally initiate my mortgage with Wells Fargo, they bought the mortgage a number of years ago. I did not have an escrow account on the original mortgage. I have been paying my monthly payment, and my own taxes and insurance with no issue. This year I was late on property taxes for XXXX, and got a letter from WF stating it was a violation of mortgage to be late on property taxes which I was unaware of. I had been working with the local tax authority to catch up, and paid in full on XX/XX/XXXX, posted XX/XX/XXXX. I received a letter from WF dated XXXX stating that since my taxes had not been paid by that date, they had paid the taxes on my behalf, ( this did not post to the taxing authority until XX/XX/XXXX ) and force placed an escrow on my mortgage. I immediately called, and spoke with someone, told them the taxes had been paid and they needed to work with the tax authority to get a refund. I got another letter on XX/XX/XXXX that I misread ( I thought it said a refund had been received and all was good ). I received a couple others regarding a XXXX payment required and an {$800.00} increase on my monthly payment. I thought the refund had been provided, and I ignored. On XX/XX/XXXX I got an email stating my payment was past due, and checked on my bank site as well as WF site and saw my normal payment had been made. They made another payment to the local taxing authority a few days later! It turns out the letter I misread had a number of statements, and I read the first, the one checked was refund was denied. I've now been talking with WF for 2 weeks. The root cause is that XXXX, an agent of Wells Fargo had sent the XXXX payment without using the XXXX BillID as required. Had they done so, the payment would have been returned, instead it was applied to the XXXX tax bill, which wasn't due at that time. The local taxing authority does not refund unless it is in excess of the amount. I have been unable to get this resolved, in numerous calls, and every call starts back at the beginning, and the person I thought was working my case does not return calls. I just spent another hour on the phone, spoke with 4 different people, and the last one was " getting up to speed '' when the call dropped. They did not call me back.

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 2024-12-04 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 non-monetary relief
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
On XXXX, the amount of {$2100.00} is owed to the XXXX of XXXX XXXX XXXX XXXX. I received the mail on XX/XX/XXXX. 
I received a debt of the above amount but have never used the XXXX emergency line or the hospital emergency room before. This debt can not be mine because there is no record of me using an emergency line. Why this debt is under my name is absurd and puts me under duress.Please resolve this as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm sending disputes and they are sending stall letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I'm sending disputes and they are sending stall letters.

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 2024-12-04 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: MD

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX - XXXX - {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: PA

Complaint narrative:
When I checked my credit report today, I was alarmed to see unauthorized inquiries. I always monitor my report, but this time, I saw discrepancies that were completely unexpected. I refreshed my browser, hoping it was just a mistake, but nothing changed. Im demanding immediate attention to the documents Ive sent to ensure this issue is resolved permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I was deeply frustrated and stressed to find several inquiries from your company that I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I flew spirit last year and they were giving flyer points if you filled out their card. B of A sales reps called me.. I said I'm not interested in a credit card or paying for service to get flyer points. I told them my credit was also on security freeze too. They kept calling so I stopped responding. I got a letter today saying an spirit credit card was opened up in my name anyway. They said I owed {$79.00}. I was shocked when they said it's been opened a year. The fraud alert asked me who did it.. I said you " Bank of America '' sales rep. They said they will close the account and send me a letter to confirm it is closed and that I don't owe them anything. I never did get any flyer points from spirit airlines for filling out their card either ... To me it was all a scam.

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 2024-12-04 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: WI

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I first went down to a XXXX location and they stated i had to call there XXXX # due to them not being able to help me in person, so i did and they told me i opened an account with XXXX lines, which i did not, i told them the account was opened by thief 's who stole my information somehow and asked them to show me what identification they used and wouldn't provide to me due to these thief 's doing everything online, they couldn't tell me in what state the account was opened they were not helpful what so ever, i kept getting past due bills for the XXXX lines and couldn't get anything resolved with XXXX, it was not me who opened the account, i need them to remove it, XXXX sold this collection to Jefferson Capital Systems LLC and is now on my credit report, can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
Subject : Formal Dispute of Credit Reporting Errors To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report related to the account from XXXX ( formerly XXXX ) as well as other errors that violate federal laws. Please see the details below : Account Information : Creditor : XXXX ( formerly XXXX ) Current Balance : {$8100.00} Status : Derogatory/In Repossession Dispute Details : XXXX. Request for Deletion of Charge-Offs ( 15 USC 1666b , 15 USC 1681i , 15 USC 1681s-2 ) This account reflects a derogatory status with a charge-off. I dispute this reporting as erroneous and inconsistent with my records. Moreover, under the Fair Credit Reporting Act ( 15 USC 1681i ), creditors must ensure the accuracy and completeness of information furnished to consumer reporting agencies. 

If XXXX has issued a 1099-C for this account, the debt has been canceled, and any charge-off reporting should be deleted in accordance with IRS rules and 15 USC 1681s-2. 

XXXX. Request for Deletion of Late Payments ( 15 USC 1666b, 15 USC 1637 ( b ), 15 USC 1681s-2, 15 USC 1681i ) Late payments on this account are inaccurately reported. According to 15 USC 1666b and 15 USC 1637 ( b ), creditors must adhere to proper billing error resolution practices. Further, 15 USC 1681s-2 prohibits furnishing inaccurate information. 

XXXX. Request for Deletion of Collection Activity ( 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ), 15 USC 1681s-2 ( A ) ) The collection activity associated with this account contains significant errors. As per 12 CFR 1006.34C and 12 CFR 1006.6C, debt collectors must provide accurate and detailed disclosures. In addition, 15 USC 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy in consumer reports. 

Errors in XXXX Reporting : Balance : {$8100.00} Incorrectly listed as In Repossession despite no repossession details provided. 

Reporting of derogatory status and charge-offs appears inconsistent with 15 USC 1666b and 15 USC 1681s-2 . 

Actions Requested : XXXX. Delete all erroneous charge-offs, late payments, and derogatory remarks associated with this account. 

XXXX. Verify all details related to this account for compliance with 15 USC 1681i. 

XXXX. Provide written confirmation of the outcome of this dispute. 

Enclosed Documentation : A copy of my credit report highlighting the errors. 

Any correspondence or evidence supporting my claims. 

I appreciate your attention to this matter and expect a response within the legally mandated timeline under 15 USC 1681i. Please contact me if further clarification or information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I was informed by XXXX XXXX of fraud on my account They sent me a copy of my credit report so I can confirm any suspicious activity. Several accounts that was not open by me. Are on my credit report. XXXXXXXX XXXX XXXX AccountXXXX, XXXXXXXX XXXX XXXXXXXX. Account.XXXX, XXXX XXXX XXXXXXXX. Account.XXXX, XXXX XXXX  XXXX AccountXXXX XXXX XXXX XXXXXXXX. Account.XXXXXXXX XXXX XXXX, service account. XXXX these are all fraudulent accounts on my credit report there are Wisconsin addresses on my credit report, even though Ive never lived or had an address in Wisconsin ive also reached out to these companies and none can provide documentation showing my signature. Also, I spoke with XXXX XXXX  informed them that the account was fraudulent so they had the vehicle repossessed, which is hurting me even more because they didnt remove it from my report.Once I found out about it I didn't contacted XXXX as well as XXXX just to make sure that the information wasn't on both reports as well and I found out that they are I have disputed this information directly with credit bureau of also filed an FTC report as well as contact the local police department this fraudulent and unverified information is causing harm to my credit report I have contacted a lawyer in order to seek damages due to these bureaus adding the information without properly verifying that it was correct and not fraudulent My attorney has informed me to give these companies 30 days to rectify the situation before taking legal action and as they are in violation of the FCRA

Company response to consumer: Closed with non-monetary relief