vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX  XXXX XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate. Specifically, the reports indicate late payments for the following months : Equifax and XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
My payment history shows no record of late payments, as I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These discrepancies violate 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of the information in consumer reports.

Under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S. Code 1681s-2 mandates furnishers of information to provide accurate data to credit bureaus. 
Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Account Information : High Balance : {$430.00} Date of Last Activity : XX/XX/year> Balance Owed : {$39.00} Payment Amount : {$49.00} Credit Limit : {$3700.00} Requested Resolution : I request : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i. 
Provide detailed information and evidence supporting the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>. If no evidence can be provided, I demand that the inaccurate entries be removed from my credit file. 
Correct all discrepancies to ensure my credit file accurately reflects my 100 % on-time payment history. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX  XXXX XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate. Specifically, the reports indicate late payments for the following months : Equifax and XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
My payment history shows no record of late payments, as I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These discrepancies violate 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of the information in consumer reports. 
Under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S. Code 1681s-2 mandates furnishers of information to provide accurate data to credit bureaus. 
Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Account Information : High Balance : {$430.00} Date of Last Activity : XX/XX/year> Balance Owed : {$39.00} Payment Amount : {$49.00} Credit Limit : {$3700.00} Requested Resolution : I request : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i. 
Provide detailed information and evidence supporting the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>. If no evidence can be provided, I demand that the inaccurate entries be removed from my credit file. 
Correct all discrepancies to ensure my credit file accurately reflects my 100 % on-time payment history. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: LA

Complaint narrative:
I am writing to formally escalate my previous dispute regarding inaccurate and unverifiable information that is currently being reported on my credit file. I previously submitted multiple disputes, but I have received a response stating that the items in question were " verified. '' Upon review, I must inform you that this verification is insufficient and does not meet the standards required by the Fair Credit Reporting Act ( FCRA ). As such, I demand a more thorough investigation and immediate removal of the following items : XXXX  XXXX ( Late {$73.00} ) XXXX  XXXX ( {$360.00} ) XXXX XXXX XXXX ( {$3000.00} ) XXXX XXXX XXXX ( {$1900.00} ) XXXX XXXX XXXX ( Late ) XXXX XXXX XXXX {$200.00} ) Under the FCRA, you are legally obligated to report only accurate and verifiable information. The items listed above have not been substantiated with sufficient evidence or documentation to prove their accuracy. Simply marking these items as " verified '' without providing supporting documents such as original account records, payment history, and other pertinent details is not sufficient to satisfy the legal requirements for credit reporting. 

I hereby demand the following actions : Immediate removal of the above-mentioned items from my credit report, as they can not be verified as accurate or substantiated with proper documentation. 
If you claim that any of the information is accurate, I request that you provide me with the following evidence for each item : A copy of the original contract or agreement associated with each account. 
A detailed payment history for each account. 
Documentation showing the dates of account charge-off, late payments, and any payment arrangements. 
I expect a detailed response outlining the steps taken to verify this information, including the specific documentation that was reviewed. 
If the information can not be verified within 30 days of your receipt of this letter, I demand the immediate deletion of these items from my credit report in accordance with the FCRA. 

Please be advised that if this matter is not resolved promptly, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will explore the option of pursuing legal action to address the violations of my rights under the FCRA. 

Failure to comply with this request in a timely manner will leave me no choice but to escalate this matter further, as I will not allow inaccurate information to continue damaging my credit profile. 

Please confirm receipt of this dispute and provide a written response within 30 days. 

And stop sending stall letters to prolong this issue!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
This {$200.00} Visa prepaid card was bought at Kroger but it will not work. I called the number on the back and they said that I needed to fax them my driver 's license and give them my social security number. ( which is not about to happen )

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 2025-01-02 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: MS

Complaint narrative:
I have some incorrect information on my report, in which my name was misspelled. And also, the XXXX XXXX inquired on XX/XX/year> may be unrecognizable. My credit score has gone down dramatically over the past few months because of this. The name IDs : # XXXX and # XXXX are spelled incorrectly. The address IDs : # XXXX and # XXXX are incorrect. The phone number ending in XXXX is incorrect.

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 2025-01-02 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: MI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX  Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>

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 2025-01-02 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: MI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX  Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE TRIED MULTIPLE TIMES TO RESOLVE THE ISSUE. OVER 30 DAYS PASS AND NOTHING HAS BEEN REMOVED. IT IS NOW TIME TO HAVE THAT UPDATED AS THEY ARE BREAKING THE LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score. Its already cost me far too much, and Ive had enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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 am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX data breach. Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 

XXXX XXXX Account # XXXX Balance - {$670000.00} XXXX Account # XXXX Balance - XXXX XXXX XXXX  Account # XXXX Balance - 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 2025-01-02 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: FL

Complaint narrative:
The 3 credit bureaus have my name listed multiple times and spelled incorrectly. My name is XXXX XXXX. I have sent copies of my name and social security card to no avail. I have also attached it here for your review. 

All of the 3 credit bureaus have the following spellings for my name : XXXX XXXX XXXX - incorrrect XXXX XXXX These spellings do not belong to me.

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 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I requested a pay off letter from XXXX. On XX/XX/year>, while I was at the bank, ready to wire them the money, I called Mr Cooper and told the lady that my concern was what would happen to the excess interest from XX/XX/XXXX to the XXXX calculated on a total of {$300000.00} at 11.5 %. The excess interest is in the amount of {$2300.00}. The lady at Mr Cooper, told me not to worry because the excess interest would be returned to me. I contacted Mr.Cooper a few times in order to have this issue resolved, but Mr.Cooper told me the issue would be under review. The last time I called Mr.Cooper, a lady told me the excess interest would not be returned because the pay off amount was estimated based on a monthly basis which makes no sense to me because from XX/XX/XXXX to the XX/XX/XXXX I did not owe any money to them and the loan docs do not refer to any pay off situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: DE

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: WI

Complaint narrative:
Equifax has failed to ensure accurate reporting of my payment history for several accounts, including but not limited to : XXXX XXXX XXXX, XXXX, XXXX, XXXX. Issues with Inaccurate XXXX XXXX XXXX XXXX : My credit report contains inaccurate entries for payment histories across these accounts, including repeated monthly reporting of charge-offs as new events. For example, the payment history for XXXX or more accounts reflects entries like " XXXX XXXX as of XX/XX/year>, XX/XX/year>, XX/XX/year>, '' which is improper. Failure to XXXX XXXX : Under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Repeatedly listing charge-offs as new events each month violates this obligation and has caused significant harm to my credit score. Violation of Reporting Statutes : According to 15 U.S.C. 1681c ( a ) ( 4 ), a charge-off can only be reported for XXXX years from the date of the first delinquency leading to the charge-off. Equifax repeated reporting of charge-offs as new events does not reset this statute of limitations and is misleading. Unjustified Account Closures : Equifax report inaccurately reflects unjustified account closures from XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXXXXXX XXXX, despite my efforts to maintain a perfect payment history. These closures, without prior notice or valid justification, have unfairly damaged my credit profile. Violations of the Wisconsin Consumer Act ( Wis. Stat. 427.104 ) Equifax reporting practices also violate the WCA by failing to provide fair dealing and reasonable communication. Specifically : Failure to Provide Adequate Notice : Inaccurate reporting of account closures and repeated charge-offs deprived me of the opportunity to address or dispute these issues. Unjustified Harm : These actions have caused significant and undue harm to my credit-building efforts and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-02 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: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies XXXX be linked to the Equifax data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies XXXX be linked to the XXXX data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to 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