vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Experian Dear Sir/Madam, I am writing to dispute the inaccurate and incomplete reporting on my credit report, which I obtained from your agency. After reviewing my credit report, I noticed several discrepancies in the reporting of late payments on my XXXX account. These inaccuracies are in violation of my consumer rights as outlined in XXXX XXXX XXXX. 
Account Information : Account # : XXXX Account Type : Mortgage Bureau Code : Individual Account Status : Open Monthly Payment : {$1800.00} Date Opened : XX/XX/XXXX Balance : {$270000.00} No. of Months ( terms ) : XXXX High Credit : {$280000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Discrepancies : XXXX. Late Payment Reporting : The credit report indicates late payments on my XXXX account, which are inaccurate. I have never been late on my payments. The reporting of these late payments is misleading and does not reflect my creditworthiness accurately. 
2. Incomplete Reporting : The reporting of late payments lacks detailed information such as the dates of the alleged late payments and the amounts overdue. This incomplete reporting makes it difficult for me to address and rectify the issue effectively. 
XXXX. Missing Information : The credit report fails to provide any specific comments or explanations regarding the late payments, further complicating the matter and impeding my ability to dispute these inaccuracies. 
4. If you noticed your reporting is inconsistent with XXXX and XXXX. Its being reported correctly in the other XXXX credit bureaus as on time/Pays as agreed I request that you conduct a thorough investigation into these discrepancies and promptly remove any inaccurate or incomplete information from my credit report. Additionally, I expect to receive a written response detailing the results of your investigation and any actions taken to rectify the errors within the time frame required by law. 
Please be advised that I am prepared to take further legal action if necessary to ensure that my consumer rights are protected and that my credit report accurately reflects my credit history. 
Thank you for your attention to this matter. I look forward to your prompt response. 
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 2024-06-13 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: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-13 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: GA

Complaint narrative:
My account with ( XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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. 


( XXXX  ) 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate ( XXXX XXXX ) account number as follows ( 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 2024-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rickart Collection Systems, Inc.
State: DE

Complaint narrative:
I am writing to file a complaint against your company for violations of the Fair Debt Collection Practices Act and Privacy Act of 1974. Your company has violated the Fair Debt Collection Practices Act ( " FDCPA '' ) through actions such as intruding on my privacy, making contact without explicit consent, employing deceptive measures in debt collection attempts, employing offensive language in correspondence dated XX/XX/XXXX2024, asserting that I owe an alleged debt, and inaccurately implying that any transfer of debt interest could expose the consumer to practices prohibited by the Fair Debt Collection Practices Act. Furthermore, I allege that your company violated The Privacy Act of 1974 as amended 5 USC 552a by obtaining and disclosing my personal information without prior consent. 

Due to your company 's non-compliance with the Fair Debt Collection Practices Act, I am entitled to seek damages and other appropriate remedies. I hereby demand all copies of all documentation, notices, and communications relating to the account involving XXXX XXXX and Rickart Collection Systems, including the forward flow agreement and purchase agreement. It is imperative that your company undertakes a thorough investigation into this issue and furnish me with a detailed written response outlining your position, proposed remedial steps to address this situation, and settling the attached invoice to prevent legal actions. 

Should your company neglect to respond to this notice and settle the attached invoice within 15 days, I will be compelled to commence legal proceedings to uphold my rights under the law. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: DISCOVER BANK
State: CA

Complaint narrative:
I sent Discover a letter on XX/XX/XXXX in accordance with 15 US code 1681b Permissible purpose of consumer reports -- Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instruction of the consumer.

The rights that Discover has been violating are as follows : 15 USC 1666b- Timing of Payments [ TILA 163 ] No Creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I've already communicated this to Discover.

Discover has been Violating my right to Privacy per the Privacy Act of 1974. The privacy act protects consumers rights to privacy as it relates to Financial transactions.

Discover has been reporting Transactions history in which the FCRA states in 15 US Code1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, ( 2 ) Exclusions consumer report does not include ( A ) any ( i ) report containing information solely as to consumer transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
XXXX XXXX Capital One I have late paymenyts showing on my credit report from XX/XX/XXXX to XX/XX/XXXX and this company is indeed misinforming the credit XXXX on transition its saying ive been late since XXXX and that ive paid on XXXX and on Equifax its saying that I haven't paid since XXXX this account is showing plenty of innacurate information from the date the account was opened to when it was closed none of the information is matching through all 3 credit beaurus update my account to paid on time never late and update it through all 3

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: AZ

Complaint narrative:
I am now requesting proof of the previous investigation in regards of late payment on XX/XX/year>. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated 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 explanation
Consumer complaint received 2024-06-13 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 2024-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
JPMorgan Chase Bank failed to pay for renewal of my homeowners ' insurance upon acquiring my account from XXXX XX/XX/XXXXon XX/XX/XXXX. This cause my policy to lapse without my knowledge and I did not become aware until XX/XX/XXXX after contacting the insurance company to file a claim for damages to my property from a severe thunderstorm. I was informed on XX/XX/XXXX that my policy lapsed inXX/XX/XXXXXXXX due to non-payment. Chase informed me then that they assumed XXXX paid the policy renewal prior to the transfer as they had record of a {$290.00} payment made prior to the transfer. That was only a partial payment as the policy 's premium was {$1000.00} annually.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
To follow up on Complaint ID : XXXX Of course, I am not satisfied with Capital One who took 16 days to give me a ready-made response allowing them to deny any wrongdoing. 
I want them to investigate the circumstances of the transaction by approaching the employee who supposedly helped me. He should remember me well, as it usually happens, because of my strong accent, and because I doubt that he is often dealing with a customer bringing this amount of money. He should be able to corroborate that I wanted the 5.10 % rate for 10 month, and that the 4 %, 3 year term has never been even mentioned or talked about. Once again, Capital One employee, because of my difficulties with the use of the tablet, intervened and dealt personally with it as well. It's evident that a mistake has been made. Do not disregard the responsibility of counsel of your employee, and do not discard the possibility of an oversight of his part. 
After XXXX weeks, you needed more time to investigate, you said, but your response does not reflect any research but solely a easy way out using the banking rules. 
I am also so sorry that XXXX is not able to answer his phone when contacted at the number and ext. provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: NV

Complaint narrative:
I hope this correspondence finds you well. I am writing to bring to your attention an anomaly in my credit report that requires urgent resolution. 

In XXXX and XXXX of XXXX, I experienced the unexpected occurrence of missed payments with XXXX XXXX XXXX, despite maintaining an unblemished record of timely payments over the course of five years. These isolated incidents were entirely uncharacteristic of my financial behavior and stemmed from a technical glitch within the banking system, which affected the scheduled auto-draft payments. 

As a diligent and responsible borrower, I had diligently ensured that all my payments were set up on auto draft to guarantee punctual and consistent fulfillment of my financial obligations. However, due to circumstances beyond my control, these two payments failed to process as intended, resulting in an inadvertent deviation from my otherwise exemplary payment history. 

Understanding the significant impact of these inaccuracies on my creditworthiness, particularly in the context of my current endeavor to purchase a home, I am earnestly seeking your assistance in rectifying this matter. It is imperative that these erroneous entries be promptly removed from my credit report to restore the accuracy of my credit profile and alleviate any adverse effects on my credit score. 

I am prepared to provide any necessary documentation or evidence to support my claim and facilitate the expeditious resolution of this issue. Your prompt attention to this matter and assistance in ensuring the integrity of my credit report would be greatly appreciated. 

Thank you for your time and consideration. I eagerly await your response and the opportunity to address this discrepancy effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: NV

Complaint narrative:
I hope this correspondence finds you well. I am writing to bring to your attention an anomaly in my credit report that requires urgent resolution. 

In XXXX and XXXX of XXXX, I experienced the unexpected occurrence of missed payments with XXXX XXXX XXXX, despite maintaining an unblemished record of timely payments over the course of five years. These isolated incidents were entirely uncharacteristic of my financial behavior and stemmed from a technical glitch within the banking system, which affected the scheduled auto-draft payments. 

As a diligent and responsible borrower, I had diligently ensured that all my payments were set up on auto draft to guarantee punctual and consistent fulfillment of my financial obligations. However, due to circumstances beyond my control, these two payments failed to process as intended, resulting in an inadvertent deviation from my otherwise exemplary payment history. 

Understanding the significant impact of these inaccuracies on my creditworthiness, particularly in the context of my current endeavor to purchase a home, I am earnestly seeking your assistance in rectifying this matter. It is imperative that these erroneous entries be promptly removed from my credit report to restore the accuracy of my credit profile and alleviate any adverse effects on my credit score. 

I am prepared to provide any necessary documentation or evidence to support my claim and facilitate the expeditious resolution of this issue. Your prompt attention to this matter and assistance in ensuring the integrity of my credit report would be greatly appreciated. 

Thank you for your time and consideration. I eagerly await your response and the opportunity to address this discrepancy effectively.

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 2024-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: UT

Complaint narrative:
First of all, I NEVER SAID FOR THE PROCESS SERVER TO LEAVE THE SUMMONS. I told him that if he didn't get off of my property because I don't have outstanding business that I saw them as a threat and if he didn't leave I was going to get my XXXX. People can say anything they want and I don't know this person. 

Secondly, the process server just left a summons without confirming any information. I never said to leave it. In the process, the process server broke my video doorbell. 

The process server and Johnson Mark violated XXXX and are just trying to get out of any accountability. 

I never said to leave the summons but, now I'm going to show up to the courthouse and tell them how you violated XXXX and then sue them.

Company response to consumer: Closed with explanation