vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I wrote to XXXX XXXX via XXXX XXXX Mail, " requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( section XXXX ) and the Fair Credit Reporting Act, along with New York XXXX XXXX XXXX ( section XXXX ). New York XXXX regulations require all debt XXXX to send specific written documentation validating the debt. Under section XXXX of the Rules of the City of New York XXXX XXXX requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. '' XXXX XXXX received my letter and signed for it at XXXX pm on XX/XX/year> ( see XXXX Tracking printout attached ). On or around XX/XX/XXXX, I received a reply from XXXX XXXX stating that they " are no longer attempting to collect... on this account '' without providing, nor mentioning any of the above mentioned proof documents I requested. 

On XX/XX/year> I wrote to XXXX XXXX for the XXXX time via XXXX XXXX Mail, informing them of their failure to place a notice of dispute on my account within 30 days as required by federal law, citing the FCRA and FDCPA laws and even enclosing a printout of 623 - 15 U.S.C 1681s-2 clearly defining a data furnishers duty to provide notice of dispute within 30 days. I received a reply from XXXX XXXX on or around XX/XX/year>, stating that they " do not have sufficient information to investigate the dispute because [ XXXX XXXX  ] can not ... locate [ my ] account '', totally ignoring their violation of Federal law which compels them as a data furnisher to add a notice of dispute within the timeframe required by law. It's insulting to my intelligence as just last month XXXX XXXX  were able to locate my account and inform me that they " are no longer attempting to collect ... on this account ''. 

This appears to be gross negligence and disregard for the law and for affected consumers like myself nationwide. If they are unwilling to cooperate, hopefully the CFPB and XXXX Attorney General can induce a correction of their behavior.

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 2024-11-18 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: NY

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally dispute the accuracy of the information being reported by your company to the credit bureaus regarding the account with the original creditor XXXX XXXX XXXX XXXX ( Account # XXXX ). I recently reviewed my credit report and noticed that this account is listed with the following details : Balance : {$250.00} Status : Collection Account Status Updated : XX/XX/year>XXXX  This account was fully paid and settled as of [ specific date, if known ], and I believe it is being inaccurately reported as a past-due collection account. Additionally, it does not accurately reflect the updated payment status of {$0.00} owed. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting of all credit-related information. I am requesting that you : Investigate the information reported to the credit bureaus regarding this account. 
Verify the accuracy of the details, including the current balance and status. 
Update or remove any incorrect information to ensure the accuracy of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: PA

Complaint narrative:
I HAVE BEEN THE VICTIM OF IDENTITY THEFT SINCE XXXX OF 2023. TRANSUNION HAS BEEN CONTACTED AND PROVIDED WITH INFORMATION FROM THE FBI, IRS, SOCIAL SECURITY ADMINISTRATION, FTC AND ID.GOV SUPPORTING THE THEFT YET THEY CONTINUE TO REPORT THESE FRAUDULENT ACCOUNTS ON MY REPORT, BOTH CURRENT COLLECTIONS AND UNDER CLOSED ACCOUNTS SHOWING A NEGATIVE ACCOUNT CLOSING FOR WHICH I DO NOT OWE THE DEBT NOR ARE THEY MY ACCOUNTS. I AM BEYOND FURIOUS THAT TRANSUNION CONTINUES TO REPORT THESE ADVERSE ACCOUNTS, TO ONLY CONTINUE THE FLEECING OF MY IDENTITY AND CREDIT RATING.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

Fraudulent Accounts : ( XXXX  XXXX, Account number : XXXX ) ( XXXX XXXX XXXX, Account number : XXXX ) ( XXXX XXXX, Account number : XXXX ) ( XXXX, Account number : XXXX ) ( XXXX, Account number : XXXX ) ( XXXX XXXX XXXX, Account number : XXXX ) Fraudulent Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MN

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 


Late Payment : 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 XX/XX/XXXX {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: MN

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 


Late Payment : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Collection : XXXX XXXX XX/XX/XXXX {$300.00}

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 2024-11-18 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of certain account on my credit report. This account was placed in a hardship forbearance agreement with the company below, and it was explicitly stated by the institution that no negative information would be reported during the agreed period due to my financial hardship. However, my recent credit report reflects negative remarks associated with this account, which is both inaccurate and unjust. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure that all information reported is accurate and verifiable. I am providing you this notice to review and investigate this account, as it is being reported contrary to the terms agreed upon with the creditor. Specifically, they assured me in writing that during the forbearance period, no delinquent payments, late remarks, or derogatory statuses would be reported. 

It is crucial to note that continued inaccurate reporting constitutes a violation of the FCRA, and failure to address this issue will leave me no choice but to seek all legal remedies available under Sections 616 and 617 of the Act. Additionally, as required by Section 611 ( a ) ( 5 ) ( A ), all unverifiable or inaccurate information must be promptly corrected or removed from my credit report. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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

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 2024-11-18 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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

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 2024-11-18 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: NV

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for XXXX Documentation To Whom It XXXX Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : [ XXXX ] Date Listed : [ XXXX XXXX, 2021 ] The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX Bank, the issuance of a XXXX form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code XXXX defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a XXXX form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : XXXX of the Account XXXX : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the XXXX Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was XXXX under Event Code XXXX or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Please investigate this matter within the legally required XXXX timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

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 2024-11-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Following up from our previous complaint, XXXX Mortgage services issued a couple of checks in strange numbers using our mortgage payment. We were never late in our payment and never missed a payment. We certainly did not advance any payment either. We did not cash these checks because they were our regular mortgage payment. 

We are seriously confused : why our mortgage payment was sent back in more than XXXX checks? 

We also received a letter stated : XXXX Notice of late charge on XX/XX/year>. We are even more confused : why send out mortgage payment back and then issue advanced notice of late payment? 

Does this company routinely send customer 's mortgage payment back and then ask for more payment? Can a competent professional in the company take a look at our account before doing any math? These are simple math and not complicated. 

Please correct your math and stop sending XXXX Notice XXXX XXXX payment. Or any stupid letter because you have sent our payment back to us. 

Please correct our account and stop bothering us with wrong notices and provide us with a competent mortgage services. We will continue to escalate this issue until a competent service is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-18 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX  XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$1200.00}

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 2024-11-18 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX  XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief