vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: Ocwen Financial Corporation
State: MA

Complaint narrative:
Dear CFPB, PHH Mortgage Services, and Ocwen, I am filing this formal complaint concerning significant inaccuracies in the reporting of my mortgage account, which has adversely affected my credit report. Despite entering into forbearance with your company, I have observed multiple late payments incorrectly reported on my credit report. I was explicitly informed that during forbearance, payments would not be marked as late but would be deferred to the end of the loan term.

This discrepancy has emerged as a critical issue during my recent home purchase process, where these inaccuracies were cited as the primary obstacle. Despite numerous conversations with your customer service team, there has been no clear explanation for these reporting errors. It appears that each month 's payment is being reported as late from the previous month, which is both confusing and incorrect.

Furthermore, there are additional inaccuracies and incomplete information regarding this account on my credit report. I believe that this reporting not only contradicts our forbearance agreement but also violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Codes 1666b, which protects consumers from inaccurate reporting. 

I kindly request the following actions to resolve this matter promptly : Immediate correction of the inaccurate reporting of late payments on my credit report for the months during which the account was under forbearance.

Complete removal of any incomplete or inaccurate information related to this account from my credit report. 
Assurance that all future reporting accurately reflects the terms of our forbearance agreement and my payment history.

Investigation into the root cause of these reporting errors and implementation of measures to prevent recurrence.

These actions are essential to safeguard my consumer rights and ensure fair and accurate credit reporting. I expect your cooperation in rectifying these issues swiftly to mitigate any further impact on my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have a credit file lock on my report and I was not notified that my TransUnion 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
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Dear Midland Credit, XXXX XXXX XXXX, and CFPB, I am filing this formal complaint regarding an account with an alleged balance of {$2400.00} that appears on my credit report, which I dispute vehemently. Despite my dispute with the credit reporting agency, they confirmed the account 's validity based on your response. I have no recollection of any relationship with your collection agency or the original creditor, and I believe there are significant inaccuracies in how this account is being reported, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

In an effort to resolve this matter amicably, I demand proof of this debt, specifically the alleged contract or any document bearing my signature, as well as proof of your authority in this matter. Without such documentation, you are obligated to correct any erroneous reports of this debt under my name. 

Please provide the following information promptly : Documentation evidencing your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) regarding this alleged debt. 
Explanation of the legal basis for your collection of information. 
Explanation of the legal basis for your collection of this alleged debt. 
Proof of your authorization to conduct business or operate in this state. 
Evidence of the alleged debt, including any contract or document bearing my signature. 
A complete account history, detailing all charges added for collection activities. 
I am formally complaining about violations of my consumer rights under various sections of the FCRA and FDCPA : Under FCRA 15 U.S.C. 602 ( a ), I have a right to privacy, and according to 15 U.S.C. 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. 
I demand an immediate cessation of all communication and collection activities related to this account. 
I request the immediate deletion of this account from my credit report as I have no knowledge or contractual obligation pertaining to it. 
Your actions have severely impacted my credit report and financial standing. Specifically, I allege violations of the following sections of the FDCPA : 1692d : Harassment or abuse in connection with the collection of a debt.

1692e : Use of false, deceptive, or misleading representations.

1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt.

1692e ( 5 ) : Threatening legal action that can not legally be taken or is not intended to be taken.

1692g ( b ) : Conducting collection activities that overshadow or contradict the disclosure of my right to dispute the debt.

1692f : Use of unfair or unconscionable means to collect or attempt to collect a debt. 
I demand the immediate removal of this account from all credit reporting agencies. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-09 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: MD

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). This did not 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 2024-07-09 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: TN

Complaint narrative:
Equifax is reporting XXXX credit card with a balance of {$6600.00} on XX/XX/year>. This balance is reported incorrectly. The correct balance should be {$76.00} since XX/XX/year>. There were no changes since then so therefore this reported balance needs to be corrected. My score has dropped XXXX points due to this false report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00}

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 2024-07-09 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: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX. XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2024-07-09 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I am writing to dispute the inaccurate information reported on my credit report by all three Consumer Reporting Agencies. Specifically, my account with NetCredit ( Account Number : XXXX ) is showing multiple months of being 180 days late, which is incorrect and misleading.

Details of the dispute are as follows : 1. Inaccurate Late Payments : My credit report shows that I was 180 days late for multiple consecutive months in XXXX and XXXX. This is factually incorrect and does not reflect my actual payment history. Such inaccuracies are severely impacting my credit score and overall creditworthiness.

This inaccurate reporting is a direct violation of the Fair Credit Reporting Act ( 15 USC 1681 ). I am hereby putting you on notice that failure to remove this inaccurate information from my consumer report within 30 days will be considered willful noncompliance with the FCRA. 

I request that XXXX, XXXX, XXXX, and NetCredit take immediate action to investigate and remove this inaccuracy from my credit report. Please provide written confirmation of your investigation and the corrections made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-07-09 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: NJ

Complaint narrative:
All the accounts that are closed but still on 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 explanation
Consumer complaint received 2024-07-09 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I noticed inquiries I do not recognize

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 2024-07-09 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: FL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I gave capital one a security interest and they have are failing to do their fiduciary duties. By them not transferring the credits and keeping it for their benefits and making profit is considered breaching the contract for non performance and security fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear Synchrony and CareCredit, and CFPB, I am writing to formally address the inaccurate and unjust reporting on my credit report. During a period when I was experiencing a medical emergency, specifically related to XXXX, and dealing with compromised bank accounts due to suspicious activity, I communicated these circumstances to your company. I was assured that these issues would be addressed promptly, and any delinquency remarks on my credit report would be escalated and rectified. 

To my surprise, upon reviewing my credit report over the weekend, I discovered late payment entries on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I find this situation deeply concerning as I believe I made timely payments upon receipt of my statements. It is possible that some statements did not reach me during this tumultuous period. 

Given the extenuating circumstances surrounding my medical emergency and financial challenges, I urge your immediate attention to rectify these inaccuracies. These late payments are unjustified and are negatively impacting my credit profile, potentially affecting my financial opportunities. 

I kindly request the following actions to be taken swiftly : Removal of the late payment entries for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
XXXX and adjustment of my payment history to accurately reflect my payments during the mentioned periods. 
Confirmation that all late payment remarks associated with my account are expunged from my credit history. 
I emphasize that these inaccuracies not only undermine the agreed-upon assurances but also constitute violations under relevant consumer protection laws, including provisions of the Fair Credit Reporting Act ( FCRA ). It is imperative that these issues are resolved promptly to restore the accuracy and fairness of my credit report. 

I appreciate your prompt attention to this matter and expect a resolution that reflects the integrity of your commitment to consumer rights and fair credit practices. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. Thank you for your cooperation. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). This did not 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 non-monetary relief
Consumer complaint received 2024-07-09 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:
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). This did not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
XXXX is reporting I have XXXX late payments, XXXX is reporting XXXX and XXXX is reporting XXXX late payments on my paid in full, closed Ford auto loan account. The account is also closed and paid and still reporting a late payment. 

Ford gave a generic answer and the credit bureaus who prey on the poor working class was fine with that investigation because of the unfair practices as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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