vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: NV

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Complaint Summary : I am filing this complaint regarding XXXX XXXX  failure to comply with the Fair Credit Reporting Act ( FCRA ) in reporting my account status accurately. Despite my hand written certified mail letter that was sent XX/XX/year> requesting correction of this information, XXXX XXXX continues to report inaccurate details that negatively impact my credit profile. This has been ongoing now for the last XXXX years just a MOV letter will be sent but all information remains inaccurate and no proper investigation is done Issues with Reporting : Inaccurate Past-Due Balance Reporting : XXXX XXXX XXXX XXXX a past-due balance on an account that was previously charged off. Rather than reflecting this as a one-time event, they continue to report it monthly as if it were a recurring delinquency. 

FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX is failing to furnish accurate information by continuing to report this balance inaccurately.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX has not corrected or deleted the unverifiable information despite my request.

Extended Statute of Limitations : By repeatedly reporting charge-off each month, they are misrepresenting this as a recurring delinquency, misleading creditors about the true account status.

Lack of Adequate Verification ( MOV ) : Their response to my certified request did not provide sufficient verification to justify the monthly charge-off reporting.

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 2024-11-12 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:
On XX/XX/XXXX, I submitted a formal complaint regarding several inaccurate items on my Equifax credit report, alleging multiple violations of the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. I requested Equifax 's immediate removal of the following accounts based on inaccurate, outdated, and unverifiable information, yet they failed to adequately address my concerns. Specifically, XXXX XXXX XXXX still reports a " charged-off '' status for an account that was transferred to XXXX XXXX , in violation of FCRA Section 623 ( a ). XXXX appears twice with identical details, showing a past due status as of XX/XX/XXXX, violating FCRA Section 611 ( a ) ( 1 ) ( A ) due to duplicate negative entries. The XXXX XXXX entry shows a charge-off as of XX/XX/XXXX, yet Equifax could not verify its accuracy upon my request, violating FCRA XXXX XXXX. XXXX XXXX also appears as a charge-off sold to Security Credit Services , yet remains on my report with a last status update in XX/XX/XXXX, surpassing permissible reporting timeframes under FCRA Section 605 ( a ). XXXX XXXX reflects a charge-off in XX/XX/XXXX with unverified details, violating FCRA Section 623 ( b ) due to lack of supporting documentation. XXXX XXXX XXXX incorrectly shows a charge-off even though the debt was sold to XXXX XXXX XXXX XXXX XXXX contradicting the accuracy requirements of FCRA Section 623 ( a ) ( 5 ). XXXX XXXX XXXX, listed as a debt buyer for a XXXX account, has not provided any documentation to validate this debt, violating FDCPA Section 1692g ( b ). XXXX XXXX, listed as a debt buyer for XXXX XXXX XXXX  XXXX, reflects an unverified past due balance of {$XXXX}, failing FCRA and FDCPA validation requirements. XXXX XXXX XXXX, listed as having purchased a debt from XXXX, is inaccurately reported as the original creditor failed to verify it, breaching state and federal regulations. XXXX XXXX XXXX, originating from XXXX XXXX, lacks necessary documentation for legitimacy under FCRA and FDCPA validation requirements. Despite my requests for documentation or removal based on the accounts unverifiable nature, Equifax has allowed these entries to remain without sufficient validation. I am therefore requesting immediate removal of these inaccuracies on my credit file and an updated response addressing their failure to meet the standards of federal and state consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
My account with ( XXXX XXXX, ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 30 - 60 DAYS 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 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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Name : Midland Credit Management Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Dear who may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.

Thank you for your immediate cooperation. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TN

Complaint narrative:
I received a copy of my credit report, and I have found the following item to be an error. XXXX XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX OR ACCT # XXXX ACCORDING TO RECORDS/ ACCOUNT BALANCE OF {$XXXX} According to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EXPERIAN XXXX XXXX OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report, which violates 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.

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 2024-11-12 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 checked my credit report XX/XX/XXXX and noticed there was fraudulent accounts opened up 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 2024-11-12 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: NY

Complaint narrative:
i checked my credit report XX/XX/XXXX and noticed there was fraudulent accounts opened up XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
i checked my credit report XX/XX/XXXX and noticed there was fraudulent accounts opened up XX/XX/XXXXXXXX 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 2024-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I missed XXXX Payments due to a situation during the XXXX XXXX XXXX. I have sent a goodwill letter to the CEO of and to XXXX XXXX to have these late payments removed as I am current with the account, always pay on time, and haven't missed a payment since. I recieved a call saying " We have to accurately report information to the bearau, so we are unable to remove .... '' etc. From what I recall under the CARES act I could have these payments removed but am not XXXX percent sure. Therefore I'm inquiring on a report with the CFPB to see if I can have this issue resolved and come to a solution that is both fair to me and 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 2024-11-12 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: VA

Complaint narrative:
I missed XXXX Payments due to a situation during the XXXX XXXX XXXX. I have sent a goodwill letter to the CEO of and to XXXX XXXX to have these late payments removed as I am current with the account, always pay on time, and haven't missed a payment since. I recieved a call saying " We have to accurately report information to the bearau, so we are unable to remove .... '' etc. From what I recall under the XXXX act I could have these payments removed but am not XXXX percent sure. Therefore I'm inquiring on a report with the CFPB to see if I can have this issue resolved and come to a solution that is both fair to me and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I missed XXXX Payments due to a situation during the XXXX XXXX XXXX. I have sent a goodwill letter to the CEO of and to XXXX XXXX to have these late payments removed as I am current with the account, always pay on time, and haven't missed a payment since. I recieved a call saying " We have to accurately report information to the bearau, so we are unable to remove .... '' etc. From what I recall under the XXXX act I could have these payments removed but am not XXXX percent sure. Therefore I'm inquiring on a report with the CFPB to see if I can have this issue resolved and come to a solution that is both fair to me and 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 2024-11-13 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Today XX/XX/year> I went to the branch of chase bank that is located in XXXX XXXX. From the entrance I told a customer assistant that I wanted to deposit a check. She told me that I could do it at the XXXX that was located inside of the branch. We used the XXXX but once I was doing the transaction the machine showed me that the check will be available in XXXX business days. At XXXX XXXX I wanted to cancel the transaction because I could go to the other bank and cash the check. The machine didnt have the option to cancel the transaction and deposited it into my account. I believe as a customer I have the right to cancel a transaction if I dont agree with the terms but the XXXX at chase dont allow me to do that. So XXXX things from this transaction. XXXX is miss information to the customers. Why they have to say the XXXX inside of the branches are the same as the teller if you dont have the option to cancel a transaction. Second, I have to pay my mortgage today and I didnt have the option to cancel transaction and go to the other bank. This is affecting my credit because and I have to pay a late fee at the other bank. I believe the customers need to have the right to cancel a transaction if they dont agree with the terms. Those terms could be fee or any other form of agreement. I feel like as customers we should have the right to accept or not the terms of a transaction and I want someone to review that because as I heard the XXXX said I wasnt the only XXXX because that happened before. This is not right. Im going to be reported and I have to pay a late fee of my mortgage payment because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account XXXX XXXX XXXXXXXX Card services To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account XXXX XXXXXXXX I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both inaccurate and misleading. I request that you conduct a reinvestigation of this matter under FCRA XXXX ( a ) ( XXXX ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA XXXX ( a ) ( XXXX ) ( A ). Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I was reviewing my credit report and noticed multiple inquiries from your company that I dont recall authorizing. This has me really concerned, as theyre affecting my credit score and causing unnecessary stress.

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 2024-11-12 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: NC

Complaint narrative:
In accordance to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 or crimes which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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