vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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:
o Whom It May Concern, I am writing to dispute inaccuracies related to my XXXX  XXXX account ( Account Number : XXXX ) that appear on my credit report. Specifically, the following issues require investigation and correction : Inaccurate Late Payment Record : A late payment for XX/XX/year> is being reported inaccurately. I have no knowledge of this late payment, and I request validation of its accuracy. If it can not be validated, I request its immediate removal from my credit report.

Misleading Remarks : The account contains remarks stating " Account closed at credit grantor 's request '' and " Account previously in dispute - investigation complete. '' These comments are vague and may negatively impact my credit profile. I request clarification or removal of these comments if they are found to be inaccurate.

Discrepancy in Account Balance Reporting : The accounts highest balance is reported as {$400.00}, which is above the credit limit of {$300.00}. This inconsistency suggests errors in the reporting and requires correction.

Bureau-Specific Reporting Issue : I have noticed that XXXX is the only bureau reporting this inaccurate late payment, while neither XXXX nor TransUnion lists this error. This inconsistency raises further concerns about the accuracy of the information. 

I have already contacted XXXX XXXX to request a goodwill adjustment for the alleged late payment, given my overall positive payment history. Unfortunately, no resolution has been provided to date.

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that your bureau investigate this matter and validate the accuracy of the information provided by XXXX XXXX. If the disputed items can not be verified, I request their immediate removal or correction.

Attached are copies of supporting documents, including account details and prior correspondence with XXXX XXXX, to assist with your investigation. Please provide me with written confirmation once the investigation is completed and any changes have been made to my credit report.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
o Whom It May Concern, I am writing to dispute inaccuracies related to my XXXX  XXXX account ( Account Number : XXXX ) that appear on my credit report. Specifically, the following issues require investigation and correction : Inaccurate Late Payment Record : A late payment for XX/XX/year> is being reported inaccurately. I have no knowledge of this late payment, and I request validation of its accuracy. If it can not be validated, I request its immediate removal from my credit report.

Misleading Remarks : The account contains remarks stating " Account closed at credit grantor 's request '' and " Account previously in dispute - investigation complete. '' These comments are vague and may negatively impact my credit profile. I request clarification or removal of these comments if they are found to be inaccurate.

Discrepancy in Account Balance Reporting : The accounts highest balance is reported as {$400.00}, which is above the credit limit of {$300.00}. This inconsistency suggests errors in the reporting and requires correction.

Bureau-Specific Reporting Issue : I have noticed that XXXX is the only bureau reporting this inaccurate late payment, while neither Equifax nor XXXX lists this error. This inconsistency raises further concerns about the accuracy of the information.

I have already contacted XXXX XXXX to request a goodwill adjustment for the alleged late payment, given my overall positive payment history. Unfortunately, no resolution has been provided to date.

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that your bureau investigate this matter and validate the accuracy of the information provided by XXXX  XXXX. If the disputed items can not be verified, I request their immediate removal or correction.

Attached are copies of supporting documents, including account details and prior correspondence with XXXX XXXX, to assist with your investigation. Please provide me with written confirmation once the investigation is completed and any changes have been made to my credit report.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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 reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2024-12-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law.

There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered 21 days of the due date.

Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Please update the following account below : 1. Account Name : XXXX 2. Account Number : XXXX I demand these violations be removed and/or updated on my consumer report immediately.

You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Sincerely yours,

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 2024-12-16 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: CA

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, which has led to the appearance of several unknown and inaccurate accounts. These errors are deeply concerning as they misrepresent my financial history and create unnecessary complications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, a late payment was inaccurately reported on my Capital One account. The account, which was opened on XX/XX/XXXX, and closed in XX/XX/XXXX, has consistently been in good standing aside from this single alleged late payment. I reached out to Capital One to dispute the accuracy of this late payment and requested validation under the Fair Credit Reporting Act ( FCRA ).

Despite my efforts, Capital One has not provided sufficient evidence to substantiate the late payment. Furthermore, the account includes misleading remarks such as " Account closed at credit grantor 's request '' and " Account previously in dispute - investigation complete, reported by data furnisher, '' which are vague and potentially harmful to my credit profile.

Additionally, the account 's highest balance is reported as {$400.00}, which exceeds the credit limit of {$300.00}. This inconsistency raises further concerns about the accuracy of the information being furnished.

I have also requested consideration for a goodwill adjustment for this late payment due to my overall positive payment history. However, no resolution or correction has been provided to date. This inaccurate reporting has caused harm to my credit score and financial standing.

I am requesting that the CFPB assist in ensuring the following : Validation of the late payment or its removal if validation can not be provided.

Correction of any inaccurate or misleading account information.

A goodwill adjustment from Capital One for the late payment in light of my positive payment history and good faith efforts to resolve the matter.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NCB Management Services Inc.
State: TX

Complaint narrative:
On XXXX XXXX I pulled my credit report and discovered an unfamiliar account from NCB Management Services holding Account number XXXX. As per the FCRA and FDCPA I exercised my right to dispute the unverified account. I sent my first notice titled debt validation request 1 on XXXX XXXX via certified mail and return receipt. Debt Validation request was very specific on documents needed to accurately validate the debt. Documents attached shows in full detail of what was requested and proof of delivery confirmed with a wet ink signature on XXXX XXXX. Said company either didn't respond or responded partially with documents that appears to be made up, unauthenticated and unverifiable. I followed up with a Notice of Opportunity to Cure sent XXXX XXXX via certified mail and return receipt, notice was delivered and received with wet ink signature on XXXX XXXX attached with the Opportunity to Cure, was another copy of Debt Validation Request just incase the first request was misplaced and ensuring that a full response was made by sworn affidavit. ( documents attached ) As it has now been 30 days and no full validation of debt, by sworn affidavit providing point by point response was received, I sent a Notice of Default and Final statement along with additional copies of Debt Validation Request and Opportunity to Cure via certified mail and return receipt on XXXX XXXX. Documents was delivered and received by wet ink signature on XX/XX/XXXX, XXXXAll documents sent and mailing receipts are attached. Company has failed to validate debt within the 30 day period and continues to report to credit bureaus. Company has also failed to report disputed debt with credit bureaus. Company has demonstrated two violations as per the FDCPA section 809b. I am asking for immediate attention regarding this matter as the unverified debt is a result of potential fraud that has caused serious harm to myself and has affected potential credit opportunities. XXXX XXXX " If your brother sins against you, go and tell him his fault, between you and him alone. '' XXXX " If he does not listen, take one or two others along. '' XXXX " If he refuses to listen to them, tell it to the church. '' I pray everything is done in good faith. Failure to settle this matter I will be forced to file suit and seek remedy in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date ] XX/XX/year> Transworld System INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Debt Validation Dear Transworld System I am writing to request validation of a debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing this debt and requesting verification of its validity.

Please provide the following informatio 1. Proof that I owe the debt ( including the name of the original creditor and the account number ).

2. A detailed accounting of the debt, including the original amount, any interest, fees, or charges added.

3. Proof that you are authorized to collect the debt, including any assignment or purchase agreements.

4. Copies of any agreements or contracts I signed related to the debt.

5. Evidence that the statute of limitations has not expired on the debt.

Until you provide the requested information, I respectfully ask that you cease all collection activities, including reporting this debt to any credit reporting agencies.

Please respond to my request in writing to the address provided above. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NV

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Account opened XX/XX/XXXX XX/XX/XXXX e-mail received saying acct will close on XX/XX/XXXX XXXX alleged Transaction Date to transfer funds to my external account XX/XX/XXXX call to marcus requesting funds since they were not deposited. was told that I would receive a call back. Call never came. 
XX/XX/XXXX call to marcus to make an official dispute. Was told I would receive a call back. Call never came XXXX delivery of official written dispute to XXXX XX/XX/XXXX funds still not received and notified that account is " locked ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
Dear SageStream , LLC Consumer Center Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Mailed to Amex XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Im my envelope I sent information regarding the state law of XXXX  regarding the SCRA. I sent my husband XXXX XXXX orders that prove I am his spouse and we are XXXX  in XXXX. I sent his XXXX, proof of address and XXXX orders. As of today I have not heard anything. When I call in the AMEX contact information they say they cant not help me and give me a number to call but that number doesnt work. Every other credit card agency I have received notice and approval from but not American Express I have heard nothing!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My mortgage was bought out by JPMorgan Chase Bank, N.A.. My escrow account is incorrect. I was told XX/XX/24 it would be corrected by XX/XX/24. On XX/XX/24, I ws told it would be done that day. Today the supervisor, XXXX XXXX told me she didn't know when it would be done? I am overpaying about $ XXXX. There is about {$1500.00} overpayment in the account. They have all the necessary information to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: GA

Complaint narrative:
My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This lat

e 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 to be updated.

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. 


EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-16 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation