vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of several accounts on my credit reports across the three major credit bureaus ( XXXX, XXXX, and Equifax ). These discrepancies violate multiple sections of the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

XXXX XXXX : There was no notice of dispute provided, in violation of FCRA Section 623 ( a ) ( 3 ). 
XXXX ( The Bank XXXX Missouri ) : The account was deleted off Equifax but remains on XXXX and XXXX, without proper dispute notice, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX Bank : There is an account on XXXX with a balance of {$1200.00} and an open date of XX/XX/XXXX that was not deleted. Additionally, there was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
Another XXXX XXXX Bank account is listed on all three bureaus with a balance of {$1600.00}, no notice of dispute, an open date of XX/XX/XXXX, and inconsistent payment history. This account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, in violation of FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by over a year and is still listed on XXXX and XXXX, violating FCRA Section 605 ( c ).

Equifax is showing a late payment on a collection account, which is improper. 
XXXX XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by two years, violating FCRA Section 605 ( c ). 
XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged and there is inconsistent payment history across the three credit bureaus, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 
XXXX : Only listed on XXXX with no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX Bank : Another account is listed on all three bureaus with a balance of {$1600.00}, an open date of XX/XX/XXXX, no notice of dispute, and inconsistent payment history. The account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX XXXX No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The payment history is inconsistent, and the account has been re-aged, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 

Please find attached copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have tried contacting several times through Mail and CFPB and still nothing is rectified. They state theyve done a full investigation and say it was updated not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian 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 XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. 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 Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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

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 2024-09-16 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: TX

Complaint narrative:
It has come to my attention that my credit report shows incorrect personal details, likely caused by an administrative error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: Concord Servicing Corporation
State: TX

Complaint narrative:
i reviewed my credit report and found these fraudulent accounts on my file. could you please remove these accounts because it is affecting my ability to obtain credit. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: DC

Complaint narrative:
The reported late payments are inconsistent with my regular payment 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 explanation
Consumer complaint received 2024-09-16 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: MD

Complaint narrative:
For whatever ostensible reasons, Equifax consistently will block me from accessing my online account. It's impossible to get thru to a representative to discuss. All I get are a bunch of questions that I a swear only to be told that I've answered incorrectly. The irony is that it happens arbitrarily. I had recent performed a temporary freeze lift but today I attempted again and was blocked online to do so. They provided a number for me to call but the verification questions I answered still kept me blocked. I only go thru this with Equifax as I have no problems with XXXX or XXXX. There was one time when it started several years back where the had no reporting for my account. I submitted my identification via mail and it somehow reappeared. Today, again, they requested my identification via mail only to disconnect me when the instructions for what verification documents are required. Most creditors don't even use them so I'm clueless as to their actual purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
Please help. I want to cancel and close my account with this credit card company : Continental Finance LLC. I suspect fraudulent business practices with my account. 

On XX/XX/XXXX I called the company to speak with a representative. I explained, that for months, I haven't been able to open and view my monthly statements online at their website. The representative said, " I needed to download the app '' XXXX I asked what app, and he stated " XXXX '' app. 

XXXX XXXX application is already loaded on my laptop. I proceeded to open XXXX site, to download statements from the credit card website, but the download permissions did not work. The links on the credit card website did not open, or open as a .pdf popup. Neither do the statements open on the mobile XXXX application. 

Finally, I canceled " auto pay '', and requested my statements to be mailed to my home address. Now, I am filing my complaint. 

XX/XX/XXXX By the end of the call, I requested that the credit card company mail my monthly purchase/payment statements for the old credit card ending in " XXXX '' for XXXX, XXXX, and XXXX. I am currently waiting to receive the statements by mail. 

XX/XX/XXXX I requested a new credit card because I could not open statements to verify my purchases and payments. Thinking, maybe if I order a new card this might help me keep track of my purchases and payments. 

XX/XX/XXXX Beginning XX/XX/XXXX, I started monitoring my payments to lower by credit card balance. But still having no way to view past and current purchases.

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 2024-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I have XXXX student loans that were forgiven by the government during XXXX and XXXX it was forgiven and paid off. also taken off my credit report. now its back on my credit reports. XXXX for {$740.00} and {$1300.00} They was totally cleared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: SC

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX  Account # XXXX, XXXX Account # XXXX, U.S. Department of Education Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Ive tried contacting the company several times through mail and CFPB but Ill like it is weve done a full investigation and put the same numbers back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681C-2 ) that you, XXXX CREDIT REPORTING AGENCY, block information Appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal credit card account Opened on XXXX XXXX at XXXX XXXX Under the account number below, and auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/year> below. A personal loan account opened at XXXX XXXX XXXX  on XX/XX/year> under account # below and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX that appears related to the aforementioned personal loan account opened 1. Validate Account XXXX XXXX  XXXX Remove 2.Validate Account XXXX XXXX XXXX Remove 3. Validate Account XXXX XXXX Remove 4. Validate Account XXXX XXXX XXXX XXXX Remove ReMOVE 5. Validate Account XXXX XXXX  XXXX Remove These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my FICO Credit Report I've attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned. Fraudulent Items I do not recognize the aforementioned accounts, collections, or hard inquiries. As reported the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you. Were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint private case number. As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. 


What would be a fair resolution complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address : 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 2024-09-16 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:
XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681C-2 ) that you, XXXX CREDIT REPORTING AGENCY, block information Appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal credit card account Opened on XXXX XXXX at XXXX XXXX Under the account number below, and auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/year> below. A personal loan account opened at XXXX XXXX XXXX  on XX/XX/year> under account # below and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX that appears related to the aforementioned personal loan account opened XXXX. Validate Account XXXX XXXX  XXXX Remove 2.Validate Account XXXX XXXX XXXX Remove 3. Validate Account XXXX XXXX Remove 4. Validate Account XXXX XXXX XXXX XXXX Remove ReMOVE 5. Validate Account XXXX XXXX XXXX Remove These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my FICO Credit Report I've attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned. Fraudulent Items I do not recognize the aforementioned accounts, collections, or hard inquiries. As reported the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you. Were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint private case number. As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in 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 non-monetary relief