vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint regarding inaccuracies in my credit report as provided by XXXX, Experian, and XXXX. The discrepancies I have identified are outlined below, along with the applicable violations of the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 

Identified Inaccuracies : XXXX. Account # : XXXX ( Revolving Account ) Inconsistency in Credit Limit : XXXX and Experian report a credit limit of {$2000.00}, while XXXX reports {$0.00}. 
Account XXXX : XXXX states the account is " Closed, '' whereas Experian and XXXX indicate " Paid. '' o Comments : Each bureau lists conflicting reasons for account closure. 
XXXX. Account # : XXXX Account Status : Both XXXX and Experian list this account as " Derogatory, '' but details differ regarding payment history and last reported dates. 
XXXX XXXX XXXX : This amount is reported consistently, but its legitimacy is in dispute. 
Monthly Payment of {$84.00} : Experian lists an active monthly payment of {$84.00} despite the account being marked as " Derogatory '' and in collections, which suggests an inaccuracy. 

Legal Violations : Under the FCRA : XXXX. Section XXXX ( b ) : Credit reporting agencies must maintain maximum possible accuracy. The discrepancies in account statuses, limits, and payment terms demonstrate a failure to comply. 
XXXX. Section XXXX : Upon dispute, credit reporting agencies are required to conduct a reasonable investigation. The ongoing inaccuracies indicate either a lack of investigation or a flawed process. 
XXXX. Section XXXX : Outdated or incorrect negative information, such as " Derogatory '' account statuses and conflicting payment information, should not appear if inaccurate. 

Under the XXXX : XXXX. XXXX XXXX : Debtors have the right to an accurate statement of account. The conflicting details between agencies violate this principle. 
XXXX. XXXX XXXX : This section requires parties to act in good faith. The lack of clarity and conflicting information regarding the {$84.00} payment calls into question the reporting agencies ' good faith efforts to provide accurate data.

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 2024-12-13 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2024-12-13 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: AR

Complaint narrative:
The credit bureau told me that they got my XXXX  information from XXXX XXXX. XXXX XXXX told me that my XXXX  information was unveriable. The XXXX  court also gave me a letter that they don't report information to the credit bureau. So Please remove this XXXX  from my credit profile

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 2024-12-13 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several fraudulent account. on my on my file. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: AL

Complaint narrative:
My recent credit report review revealed some billing mistakes. The listed late payments are not representative of my usual timely payments. Id appreciate it if you could resolve this and update my account. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-13 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-12-13 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 am disputing this account under e-Oscar code XXXX. 

This account is not meeting the industry standard, XXXX XXXX Compliance. Modify, update, or delete this account for the inaccuracies and errors : Date Filed/Reported : Equifax says XX/XX/year> but XXXX says XX/XX/year>. XXXX says something different. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. 

The reference number is different. XXXX says XXXX but Equifax says XXXX. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. 

What is the closing date? This is incomplete information. Either modify, fix, or delete the entire account. 

Why is the court name 'federal '? XXXX says XXXX XXXX CT FL XXXX and XXXX says XXXX XXXX XXXX. This is misleading if you both get the same data from the same furnisher. That is inaccurate, what is the court name? Either modify, fix, or delete the entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
On XX/XX/XXXX I realized that my XXXX mortgage payment was not applied by Freedom Mortgage of XXXX TX. I call them to find out why and was told that it placed on a hold account because it was short paid. I normally pay {$4700.00} but was not aware that it was increased by {$60.00}, ( hence {$4700.00} ). I made good on the {$60.00}, the representative even waived the late fee. 
On XX/XX/XXXX, the credit bureaus were sending me alerts that I have a late payment on my mortgage. I again call Freedom Mortgage to find out why I was reported to the credit bureaus after they were the ones holding my payment. They said because it came in short. I got no notice from them prior to inform me of their action. I also pleaded with them to waive/retract this negative report but to no avail. They said we are not late until after the XXXX of the month, so I told the rep that technically we are not late, and they were the ones who did not post it, and did not communicate with me. 
I am asking for your help in communicating with this company to remove the negative reporting as it affected my credit by XXXX points.

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 2024-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/year> You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) so check this out recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didntnotify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
{ Capital One Auto Finance } As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: IA

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 Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2024, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX Account Number : XXXX Disputed Information : Date of Last Activity : It shows XX/XX/2024, which might be inconsistent if the account has already been closed or hasnt had recent activity. 
It is marked as " Derogatory '', but the balance is {$0.00}, and the account is closed. This could be inconsistent, as an account with no balance should not have a derogatory rating. 
TransUnion categorizes the account as " Savings and Loan Companies '', while other agencies classify it as " Personal Loan Companies '' or " Auto Financing. '' This classification might be incorrect if the loan wasnt from a savings and loan institution. 
Payment History : It states " None Reported, '' which could be inaccurate if the account had payment activity before being closed. 

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 : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion 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 2024-12-13 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: IA

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 Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX  Account Number : XXXX Disputed Information : Date of Last Activity : It shows XX/XX/year>, which might be inconsistent if the account has already been closed or hasnt had recent activity. 
It is marked as " Derogatory '', but the balance is {$0.00}, and the account is closed. This could be inconsistent, as an account with no balance should not have a derogatory rating. 
TransUnion categorizes the account as " Savings and Loan Companies '', while other agencies classify it as " Personal Loan Companies '' or " Auto Financing. '' This classification might be incorrect if the loan wasnt from a savings and loan institution. 
Payment History : It states " None Reported, '' which could be inaccurate if the account had payment activity before being closed.

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 : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a complaint and would like to file a complaint. I disputed negative items and errors on my credit report, XX/XX/year>. however, during and after the dispute process my accounts were not marked as required by law under Section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). This illegal misdoing entitles me to up to {$1000.00} in damages as well as all future attorney fees covered should a civil complaint follow. Also according to the Federal Credit Reporting Act, all credit bureus are subjected to and required by law to accurately and timely investigate disputes. Credit Bureaus are required to mark disputed accounts, not doing so is illegal. 
I have attached photographic copies as proof my disputes were not accurately and timely marked as required under Secion e ( 8 ) of the FDCPA.

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 2024-12-13 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: CA

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding 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