vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-03 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: OH

Complaint narrative:
I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report despite qualifying as income under IRS guidelines XXXX The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law. 

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors must issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off. 

Legal Basis for Complaint Violation of IRC 6050P : The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} 10 the IRS and provide the debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditor 's adherence to federal law.

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and finishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditor 's reporting practices, constituting inaccurate reporting under the FERA.

Consumer Financial Protection Act ( CERA ) 1038 ( a ) 1X8 ) It is considered an unfair, deceptive, or abusive act or practice ( UBAAP ) to report a charged-off account as collectible and delinquent when it should be classified as income and documented through a 1099-C

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS XXXX XXXX FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/year>, through USPS Certified Mail with Return Receipt, I mailed a Negotiable Instrument as Tender of Payment by way of a United States Post Office Money Order Serial XXXX XXXX in the amount {$5000.00} with a provision for valuable consideration and Accord and Satisfaction upon redeeming the Instrument ( tracking number XXXX XXXX ; delivered and signed for on XX/XX/year> ). Just recently I mailed another Negotiable Instrument as Tender of Payment by way of a United States Post Office Money Order Serial Number XXXX in the amount {$5100.00} with a provision for valuable consideration and Accord and Satisfaction upon redeeming the Instrument ( tracking number XXXX ; delivered and signed for on XX/XX/year> ). 

My husband, XXXX XXXX filed a request for copies and receipts of the Money Orders from the General Accounting Branch of the United States Post Office by way of the Federal Reserve XXXX  so I have receipt ( s ) and copies from both the United States Postal Service and the Federal Reserve XXXX  stating the instruments were accepted and cashed and/or deposited by Synchrony Bank . 

Ive included proper instructions that the Money Orders/ Instruments were supposed to be specially deposited and not cashed like a regular a money order. Synchrony Bank employees were supposed to credit my account accordingly to balance the account and set off any alleged debt obligations instead they ignored the provisions, they ignored my instructions and cashed it as a regular payment and did not credit my account, accordingly. This is clearly Misappropriation of Funds/ payments, which can be considered a crime, specifically a felony. 

By way of my online account with Synchrony Bank include is a statement which shows how my account was credited only for the minimal payment of {$50.00} ( on XX/XX/year> ) and again for only {$83.00} on XX/XX/year>, while the provisions and written instructions clearly state the instruments are worth {$5000.00} and {$5100.00} or more. 

In summary, the Negotiable Instruments ( Money Orders as legal tender ) were deposited as instructed however, Synchrony Banks employees failed to credit my account in the amount of both {$5000.00} and {$5100.00} as instructed. Their neglect to properly handle my credit ( s ) has caused me financial hardship, pain and emotional distress. Theyve also shrank my credit card limit, which decreased both my buying power and my credit score as if they did not do enough damage.

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 2024-12-03 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: IL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE REMOVE ALL ACCOUNT. MY INFORMATION WAS EXPOSED DURING DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT, THE FOLLOWING ARE UNAUTHORIZED. XXXX Account XXXX : XXXX XXXX. XXXX XXXX AUTO Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account Number : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX. XXXX XXXX Accounts XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2024-12-03 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: SC

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 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 2024-12-03 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-03 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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 am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were opened or reported without my knowledge or consent, likely due to identity theft stemming from a data breach. As such, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items removed immediately. 
Accounts to Block and Delete XXXX XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$76.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$1500.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$1300.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$950.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Date : XXXX - Amount : {$7300.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$520.00} XXXX. XXXX - Account XXXX : XXXX - Date : XXXX - Amount : {$0.00} XXXX. XXXX - Account XXXX : XXXX - Date : XXXX - Amount : {$0.00} XXXX. XXXX - Account XXXX : XXXX - Date : XXXX XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were opened or reported without my knowledge or consent, likely due to identity theft stemming from a data breach. As such, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items removed immediately. 
Accounts to Block and Delete XXXX XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$76.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$1500.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$1300.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$950.00} XXXX XXXX XXXX  XXXX - Account Number : XXXX - Date : XXXX - Amount : {$7300.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$520.00} XXXX. XXXX - Account XXXX : XXXX - Date : XXXX - Amount : {$0.00} XXXX. XXXX  - Account XXXX : XXXX - Date : XXXX - Amount : {$0.00} XXXX. XXXX - Account XXXX : XXXX - Date : XXXX XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$0.00}

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 2024-12-03 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: OH

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
In XX/XX/year>, RoundPoint Mortgage Servicing Corporation became the servicer of my mortgage after a transfer from XXXX XXXX. My mortgage account includes an escrow account intended to cover property taxes and insurance premiums. 
My homeowners insurance policy with XXXX was due for renewal on XX/XX/year>, at an annual cost of {$2300.00}, with sufficient funds of {$3100.00} available in escrow as of XX/XX/year>. Despite repeated communications with RoundPoint, including a phone call and an email I sent on XX/XX/year>, requesting that my escrow funds be used to pay the insurance premium, the payment was not processed. On XX/XX/year>, XXXX officially canceled my policy due to nonpayment. This cancellation occurred despite RoundPoint having 43 days to act on my renewal request. 
During the lapse in insurance coverage, I incurred significant damages : XX/XX/year> : A tree fell on my property during a storm, causing approximately {$10000.00} in damages. XX/XX/year> : Gas leaks, later determined to have been caused by a lightning strike, required emergency repairs costing {$3700.00}. I also required medical treatment due to exposure. Additionally, because RoundPoint failed to make the insurance payment on time, I was forced to obtain a new homeowners insurance policy with another provider, Travelers, at an annual cost of {$3100.00}, representing an increase of {$800.00} per year compared to my previous policy. This cost will continue for the foreseeable future. RoundPoint has acknowledged receipt of my XX/XX/year> email in which I requested escrow disbursement, as well as subsequent communications on XX/XX/year>, and XX/XX/year>. However, they failed to process the payment until XX/XX/year>, almost XXXX months after the policy expired. XXXX rejected this late payment, and my policy could not be reinstated. RoundPoint has since denied responsibility for their delays, despite these facts.

To date, RoundPoint has not compensated me for the damages incurred due to their failure to manage my escrow account properly. They also plan to charge me for XXXX XXXX XXXX XXXX XXXX  ) for the lapse period of XX/XX/year> through XX/XX/year>- which I believe they are also responsible for.

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