vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-29 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Recently after the bank sold my loan without my consent or writing, I mentioned to the mortgage to work out with court fees to address the last hearing court day fees of divorce. I sent out to Rushmore mortgage representative to settle as mediator And the mortgage ignored me, And turns out sold my account with no sense, even I told do not sign I also I submitted the contacted information for two year ago about the Apraisal in the phillipines emails and conference live call confirmed with his professional Apraisal ID.

Moreover, since my last time visit in the phillipines, I met with ex relative whom is goverment Apraisal assesements in the same region. During our conversation he mentioned about the new outcomings construction and developments pier shores for new extension for new outcoming shippiment and dislocations improving the value of the propertys in the island Also, I attached his card gov.business card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: MO

Complaint narrative:
I am writing to express my deep dissatisfaction and concern regarding the repeated and unsuccessful attempts to correct late open accounts on my credit report. Despite my persistent efforts and the passage of time, these inaccuracies remain unresolved and continue to negatively impact my creditworthiness. I first initiated disputes regarding these late open accounts. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments. Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of this inaccuracy on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit report to verify the accuracy of the late open accounts in question. Kindly help me correct the accounts immediately : DEPTEDXXXX XXXX XXXX : {$6500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

DEPTEDXXXX XXXX XXXX : {$1100.00} - My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

DEPTEDXXXX XXXX XXXX : {$2600.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

DEPTEDXXXX XXXX XXXX : {$2600.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

DEPTEDXXXX XXXX XXXX : {$6200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

DEPTEDXXXX XXXX XXXX : {$2300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

DEPTEDXXXX XXXX XXXX : {$6300.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my 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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I formally request for the removal of unknown inquiry from my credit report, which areisinaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the item listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent item are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the unknown inquiry associated with the mentioned item, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the unknown inquiry immediately : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: NC

Complaint narrative:
I recently received and review my credit report and noticed that i have fraudulent activity

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 2024-07-29 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute of Fraudulent Collection Items and Violation of FDCPA by Consumer Adjustment Corp** To Whom It May Concern, I am writing to formally dispute the accuracy of certain items on my credit report related to Consumer Adjustment Corp. These entries are erroneous and have been added to my credit report without my knowledge or consent. The details are as follows : **Disputed Accounts : ** **Consumer Adjustment Corp** **Amounts** : {$450.00} and {$330.00} **Violation** : FCRA Section 623 - Reporting inaccurate and fraudulent information. 

The first collection item amounts to {$450.00} and the second to {$330.00}. These entries were added without my knowledge or consent, and I dispute their validity. 

The agency name listed on my credit report is " Consumer Adj Co '' instead of " Consumer Adjustment Corp. '' This discrepancy appears to be a fraudulent move, likely intended to confuse or mislead, further undermining the legitimacy of these collection entries.

I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these fraudulent entries. This is a formal demand for the immediate removal of these items from all credit reporting agencies. 

In light of these violations, I request the immediate removal of the aforementioned items from my credit report under the Fair Credit Reporting Act ( FCRA ) Section 611, which grants me the right to dispute inaccurate information on my credit report.

**Enclosures : ** - Copies of the dispute letter sent to Consumer Adjustment Corp .

- Proof of mailing and tracking numbers for the dispute letter.

- Any other relevant documentation supporting my claims. 

I expect your prompt attention to this matter and a resolution within 30 days as stipulated by the FCRA. Failure to remove these erroneous items will result in further actions, including additional complaints to the CFPB and possible legal recourse. 

Thank you for your immediate attention to this serious matter. 

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 non-monetary relief
Consumer complaint received 2024-07-29 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-29 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: SC

Complaint narrative:
I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review.

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Dear Representative, American Express has violated the fair credit billing act and caused me significant harm as a consumer by charging me interest and late charges on a suspended account that is in dispute. 
Per American Express on XXXX the representative indicated my dispute would not close until XXXX. 
However, American Express charged me {$39.00} in late fees and {$190.00} in interest while my account was in dispute. 
American Express also called me on XX/XX/year> to collect a debt that I do not owe. 
AS a XXXX XXXX, small business, our credit is our largest asset that we have worked hard to maintain. However, it is in constant jeopardy with American Express. 
We have spent hours of time being disconnected, being shifted to multiple departments, placed on hold, and disputing inaccuracies. 
I was erroneously told by American Express that my credit would not be impacted unless I waited 90 days to pay. The misinformation and XXXX  is overwhelming and I do not trust American Express to properly report this account while it is in dispute. 
I closed my American Express account over a year ago. It is unacceptable for American Express to attempt to collect a debt, erroneously bill my account and provide incorrect consumer information. Therefore, I would like American Express to cancel my entire balance. 
I appreciate your assistance in ensuring that American Express complies with the XXXX and is held accountable for these harmful practices. 

Respectfully,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They violated several rights from the consumer law while heisting my information and putting me into a contract with a third party. They failed to provide written notice ( disclose ) the right to rescind while not providing insurance. They also charged me with a down payment with a finance charge.

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 2024-07-29 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: NY

Complaint narrative:
7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Experian is not complying with Fair Credit Reporting Act 15 USC 1681i ( 7 ). Experian is in violation of 15 US Code 1681e compliance procedures. I the consumer XXXX XXXX has been damaged as a result. Experian has produced a boiler plate response to my request. I have sent several correspondences USPS certified mail to Experian regarding inaccurate reporting on XXXX XXXX credit report. Experian continues to ignore Fair Credit Reporting Act laws. Specifically 15 US Code 1681 ( a ) Accuracy and Fairness of Credit Reporting, 15 US Code 1681 ( b ) Reasonable Procedures. Experian has caused damages to the consumer XXXX XXXX and continues to furnish inaccurate information. Experian has several violations reporting on XXXX XXXX credit report. Experian is Civil liable 15 US Code 1681n for willful noncompliance. As a result I am invoking remedy 15 US Code 1692c and my specified remedy is 15 US Code 1692c PAY THE INVOICE FOR THE VIOLATIONS APPEARING ON XXXX XXXX CREDIT REPORT INADDITION TO PAY FOR DAMAGES CAUSED TO 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 2024-07-29 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: OH

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
One Main Financial I advise to them that I get paid twice a month and still despises to take money from my account on the date I did not authorize in which overdraft my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: MO

Complaint narrative:
I am writing to express my deep dissatisfaction and concern regarding the repeated and unsuccessful attempts to correct late open accounts on my credit report. Despite my persistent efforts and the passage of time, these inaccuracies remain unresolved and continue to negatively impact my creditworthiness. I first initiated disputes regarding these late open accounts. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments. Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of this inaccuracy on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit report to verify the accuracy of the late open accounts in question. Kindly help me correct the accounts immediately : XXXX XXXX XXXX : {$6500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX XXXX : {$1100.00} - My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX : {$2600.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX XXXX : {$2600.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. 

XXXX XXXX XXXX : {$6200.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX : {$2300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX XXXX : {$6300.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report.

Company response to consumer: Closed with explanation