vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2024-11-21 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: SC

Complaint narrative:
I, XXXX XXXX, discovered multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically : Inaccurate Information : My credit report contains incorrect personal information and inaccurate payment histories. This violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure accuracy. 

Unauthorized Reporting : Entities reported information on my credit file without my consent, which breaches the permissible purposes outlined in 15 U.S.C. 1681b ( a ) ( 2 ). 

Validation Failures : Several debts were reported without proper validation, in violation of 15 U.S.C. 1692g. Debt collectors failed to provide documentation proving the legitimacy of the debts, including signed contracts or agreements bearing my signature.

Deceptive Practices : My report included unauthorized inquiries and deceptive reporting of late payments and debts, which contravenes 15 U.S.C. 1681s-2 ( a ) ( 1 ), prohibiting the furnishing of information known to be inaccurate. 

Privacy Violations : Debt collectors disclosed my debt information to third-party credit agencies without my consent, violating my privacy rights under 15 U.S.C. 1681a ( 4 ). 

Willful Noncompliance : Entities willfully accepted and reported inaccurate information, a violation of 15 U.S.C. 1681n, which allows for civil liability up to {$1000.00} per infraction. 

As a result of these violations, I am experiencing significant distress and harm to my financial reputation. I am seeking immediate corrective action, including the deletion of unauthorized inquiries, validation or removal of debts, and rectification of all inaccuracies in my credit report. If these issues are not resolved promptly, I am prepared to pursue legal remedies under the FCRA and related laws.

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 2024-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
From XX/XX/XXXX XXXX XXXX I have over paid pmi which I want that period money back! 
According to Federal law. A lender must automatically cancel private mortgage insurance when the loan to value ratio reaches 78 % meaning the loan balance is at 78 % of the original home value as long as the borrower is current on their payments. This is considered the mandate for automatic pmi cancellation! And in XX/XX/XXXX my loan is meet the requirements by the lender never cancel it and make me been over charged even when they sold my loan for 1yr and 4month!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Heres a clear and concise response you can use : In XX/XX/year>, I disputed an inaccurate Chapter XXXX bankruptcy record with Experian because I never filed for bankruptcy. The record lists a " dismissed '' status and appears on my credit report in error. Despite my dispute, Experian failed to conduct a proper investigation or provide documentation verifying the accuracy of this record. 

I contacted the XXXX Bankruptcy XXXX for the XXXX XXXX XXXX XXXX, and they confirmed that no bankruptcy case exists under my name or Social Security number. 

On XXXX, I mailed a follow-up dispute letter to Experian via XXXX mail, including additional evidence to demonstrate that the record is invalid. However, Experian has still not removed the record or explained how it was " verified. '' This inaccurate information harms my creditworthiness and causes unnecessary stress. I request that Experian immediately remove the erroneous bankruptcy record from my credit report and provide a detailed explanation of how the record was initially verified.

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 2024-11-21 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: AL

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: OK

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-11-21 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: OK

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-11-21 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
Accounts are reporting inaccurate on my credit profile. The accounts were unverifiable and removed from my credit profile by XXXX and XXXX on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
The report is in regards to the company Affirm. 
Affirm falsely reports to your credit that you do not pay within the given time frame which is incorrect and false information. To clarify, as stated on their website while a charge is in the dispute process you are NOT allowed to make any sort of payments towards your balance. You can not make any payments until the dispute is fully resolved, which takes up to 60 days. This information is also stated via emails that the company Affirm emails over to you. However they still report to your credit that you failed to make payments while still NOT allowing you to make any payments whatsoever until 60 days are up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-21 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: DISCOVER BANK
State: PA

Complaint narrative:
I have called and sent letters that they are in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

I made myself clear about what i was disputing, they gave no proof and the disputes are not done on the CFPB website but the direct companies closed the disputes on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  committed TWO serious things. The FIRST was that they charged my account {$2.00} per month for XXXX months without my authorization or knowledge. Because I had not charged anything during this period AND I was not sent a statement, I had no knowledge of these charges and I was NEVER given an explanation for these {$2.00} per month charges when I inquired about them. I only became aware of these charges AFTER they sent me an email telling me that my account was delinquent. 
I called to tell them that that was wrong on their part to charge my account those amounts without my authorization, but they could care less and did not delete them, which forced me to pay them. The Second serious infraction was that after I paid those bogus charges, they reported me to the credit bureau as paying late for those $ XXXX bogus charges, which downgraded my credit score immediately from like XXXX down to XXXX. I have never paid late on an account, that is one of the reasons I've had excellent credit in the XXXX 's. 
They ruined my excellent credit and when I called them, again they could care less and chose to not fix the problem which they created.

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 2024-11-21 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: CITIBANK, N.A.
State: KS

Complaint narrative:
Upon checking my credit report I saw erroneous information from an account that I have no knowledge of. This account is reflecting from identity theft in the past. The account in question is already being investigated and supporting documentation such as the FTC AFFIDAVIT HAS BEEN SENT AS WELL. The account in question is CITI CARDS CBNA - 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 2024-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am requesting proof that I owe this debt, including all account information and documentation bearing my original wet signature. 

National Credit System Amount- {$4100.00} Date - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
Request to Remove Fraudulent Accounts Under Section 605B of the FCRA To Whom It May Concern, I am writing to formally dispute fraudulent accounts appearing on my credit report, and I am requesting their immediate removal in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). 

I recently reviewed my credit report and identified the following accounts as fraudulent These accounts were opened or incurred without my authorization or knowledge. I have taken the following steps to address this issue : Completed an Identity Theft Report via the Federal Trade Commission Under Section 605B of the FCRA, consumers who submit a valid Identity Theft Report and supporting documentation are entitled to have fraudulent information resulting from identity theft permanently blocked from their credit report. I have included the following documents to verify my identity and support this dispute : XXXX. A copy of my government-issued ID XXXX. A copy of the police report and/or Identity Theft Report. 

I kindly request that you : Remove or block the fraudulent accounts listed above from my credit report. 
Notify me in writing once the accounts have been removed or blocked. 

Please note that this request is time-sensitive, and I expect compliance within the statutory time frame outlined in the FCRA. If you require additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Attachments : Copy of Identity Theft Report Government-Issued ID Proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I opened a Bank of America Business Advantage Relationship checking ( checking account # XXXX ) on XX/XX/XXXX. I have deposited {$30000.00} on XX/XX/XXXX and maintain the average balance of {$30000.00} in the account for XXXX  days after account opening as per the XXXX XXXX  XXXX for the {$1000.00} bonus. 
I have verified the offer code XXXX  and was confirmed by BofA representative ( XXXX XXXX XXXX, Delaware ) that I will receive the $ XXXX bonus once all the requirements are met. He also created the case # XXXX to ensure that I will receive the bonus. 
However, as of today XX/XX/XXXX, there is still no bonus. I do not intend to give Bank of America an interest free loan. I opened the account for the purpose of getting the bonus and I did verify with the bank agent to confirm my bonus. 
Please help me to resolve this issue and getting the bonus I deserved. 
Thank you for your time 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