vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date. 
Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Selene Mortgage is currently holding my mortgage. Loan # XXXX. I just discovered, I have been paying for XXXX homeowners Insurance and I asked them why, they could not verify the answer. 

At the time of closing, I have purchased the XXXX, which was XXXX XXXX XXXX XXXX, but after 8 months of paying the mortgage I discovered, I have been paying for XXXX HOI, when the lender took an expensive one of their own, which is now costing me {$6000.00}. My own premium is half of the cost which I paid in full for {$3000.00}. I have asked the lender to cancel their {$6000.00} XXXX & keep my purchased insurance. I have made XXXX calls in the last XXXX weeks and as of today, I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: DC

Complaint narrative:
Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Below listed Inaccurate accounts & Inquiries : DP OF EDUC # XXXX Is Reporting XXXX Different Inaccurate Accounts on my consumer report THAT DOES NOT BELONG TO ME. DP OF EDUC # XXXX Is reporting XXXX Inaccurate account on my consumer report THAT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX # XXXX Is reporting XXXX inaccurate High Credit Dates / XXXX inaccurate Dates Last Active / XXXX Inaccurate Credit Limits XXXX XXXX XXXX Last Payment Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is reporting XXXX Inaccurate Open Dates / XXXX Inaccurate High Credit / XXXX Inaccurate Last Active Dates XXXX # XXXX Is reporting XXXX Inaccurate Open Dates/ XXXX Different Hight Credit Amounts XXXX XXXX XXXX XXXX Reporting Dates/ XXXX Inaccurate Last Active Dates / XXXX Inaccurate Last Payment Dates. XXXX XXXX XXXX  # XXXX Reporting XXXX different Open date and XXXX Inaccurate Last Active dates. XXXX XXXX XXXX Last Reporting Dates, Date Last Active. 

Inquiries : XXXX  XX/XX/2023 XXXX XX/XX/2023

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
XXXX XXXX XXXX : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between TransUnion, XXXX, and XXXX in regard to the payment status and dates further indicate the presence of errors in the report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
XXXX XXXX XXXX : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between TransUnion, XXXX, and XXXX in regard to the payment status and dates further indicate the presence of errors in the report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-09-25 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 am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
ive been trying to handle this with bounce ai directly however they will not abide by the fdcpa laws neither the fcra by removing this inaccurate reporting collection from my credit reports.. they are blatlenty breaking the law and refuse to clear up this matter. advanced financial refused to show me my signature validating the selling of this debt being sold to bounce XXXX. And bounce ai can not show me my signature stated that i have a contractual obligation to pay them {$640.00}... also they are listing the account as open when this is nnot active debt... this is a very clear and blatant violation of the fdcpa and the fcra, ive even cc 'd the proof the reporting..!!! i am very stressed because they are tearing my credit apart and blatently violating the fdcpa and me as a consumer. This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Any automated response, documents without my signature for the debt be liable to me or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your VALID method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ). i really don't want to escalate this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove any account that was 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX Reference # XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX  XXXX Reference # XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I have been sending in checks every month. No return. Just recently got a letter showing inovice showing nothing taken off. Sent check paying all fees on statment by certified letter. Got check back requiring certified funds. Sent complaint letter with certified checks attached to old that was sent certified mail. This imcluded current month as well now. Declined wanting lawyer fees following first check i sent certified. XXXX hr time zone and i cant get XXXX on phone. Reps text her as well. Site i get errors opening statments and cant email. I habe pictires and recodings with errors. Trying to make every effort to figure out why i cant view online and where everything is going and why i cant pay when i can prove funds have been there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX and the credit bureaus regarding the inaccurate reporting of my credit information. Despite my persistent efforts to resolve this matter, I have encountered significant challenges that remain unaddressed. 

Details of the Complaint : - Account Name : XXXX XXXX XXXX - Account Status : Reported as open ( should be reported as closed ) - Transfer Date : Sold back to Southeast Mortgage in 2023 - Nature of the Issue : XXXX XXXX XXXX continues to report this account as open on my credit report, despite it being sold back. This misrepresentation is adversely affecting my credit score and financial standing.

Legal Basis : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute inaccurate information and request that the credit bureaus conduct a reasonable investigation. However, despite multiple disputes filed with the credit bureaus, my concerns have not been adequately addressed.

2. Accuracy Requirement : The FCRA mandates that consumer reporting agencies must ensure the accuracy of the information they report. XXXX XXXX XXXX is also obligated under the FCRA to provide accurate information to the credit bureaus. Their failure to correct this erroneous reporting is a violation of the law. 

3. Failure to Investigate : In accordance with Section 611 of the FCRA, upon receiving a dispute, the credit bureaus are required to investigate the matter. My repeated attempts to have this issue investigated have been met with inadequate responses, and the incorrect information remains on my credit report. 

The negligence displayed by both XXXX XXXX XXXX and the credit bureaus has caused me significant distress and has negatively impacted my creditworthiness. I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against both parties for their failure to comply with federal regulations regarding credit reporting. 

Thank you for your attention to this serious 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 non-monetary relief
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX and the credit bureaus regarding the inaccurate reporting of my credit information. Despite my persistent efforts to resolve this matter, I have encountered significant challenges that remain unaddressed. 

Details of the Complaint : - Account Name : XXXX XXXX XXXX - Account Status : Reported as open ( should be reported as closed ) - Transfer Date : Sold back to Southeast Mortgage in 2023 - Nature of the Issue : XXXX XXXX XXXX continues to report this account as open on my credit report, despite it being sold back. This misrepresentation is adversely affecting my credit score and financial standing. 

Legal Basis : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute inaccurate information and request that the credit bureaus conduct a reasonable investigation. However, despite multiple disputes filed with the credit bureaus, my concerns have not been adequately addressed.

2. Accuracy Requirement : The FCRA mandates that consumer reporting agencies must ensure the accuracy of the information they report. XXXX XXXX XXXX is also obligated under the FCRA to provide accurate information to the credit bureaus. Their failure to correct this erroneous reporting is a violation of the law. 

3. Failure to Investigate : In accordance with Section 611 of the FCRA, upon receiving a dispute, the credit bureaus are required to investigate the matter. My repeated attempts to have this issue investigated have been met with inadequate responses, and the incorrect information remains on my credit report. 

The negligence displayed by both XXXX XXXX XXXX and the credit bureaus has caused me significant distress and has negatively impacted my creditworthiness. I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against both parties for their failure to comply with federal regulations regarding credit reporting. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation