vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on XX/XX/year>, which falls within XXXX ' standard 15-day grace period. Therefore, the account should not have been reported as 30 or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a 30 and 60-day late payment on my account.

Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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.

Complaint narrative:
The debt is not valid for XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are incorrect and I have requested financing statements for each along with validations. The reporting is false. The identity used to report this information was stolen.

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 2024-10-05 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: VA

Complaint narrative:
Complaint Summary : Experians Failure to Block Fraudulent Information as Required by FCRA Section 605B, & Potential Pattern of Illegal Practices by Credence Resource Management : I submitted an identity theft report to Experian on XX/XX/year>, requesting that they block the fraudulent information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. This section requires credit bureaus to block the disputed information within four business days upon receipt of an identity theft report while they conduct their investigation. Instead of following the required procedure, Experian treated my submission as a standard dispute and began a 30-day investigation process. They did not block the fraudulent items from my report as required within the four-day window. Furthermore, the fraudulent accounts in question are associated with. XXXX XXXX XXXX. It is important to note that they have a documented history of engaging in illegal and deceptive collection practices, as demonstrated by several US District court rulings. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This history of fraudulent practices may suggest that the identity theft on my credit report could be part of their ongoing illegal behavior. As a result of the credit bureau 's failure to block the fraudulent information and the potential involvement of XXXX XXXX XXXX deceptive activities, I have suffered financial harm, including financial impacts, such as denied credit applications, higher interest rates, loss of opportunity, etc.

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 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITOL ONE, XXXX, XXXX, CAPITOL ONE have not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed an inquiry in my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means. This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account XXXX : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXXXXXX XXXX  15-day grace period. Therefore, the account should not have been reported as 30 days late. 
System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-10-05 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: NV

Complaint narrative:
In accordance with 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 XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: CT

Complaint narrative:
I have look on my account I saw some things incomplete and not accurate.According to fair credit reporting act it shall follow reasonable procedures, whenever a consumer reporting agency prepair a consumer report it shall follow reasonable procedures to assure maximum possible accuracy information concerning the individual about whom the report relate.These accounts are : -Account name is : XXXX XXXX XXXX. XXXX XXXX. XXXX -Account name : XXXX XXXX XXXX. XXXX XXXX. XX/XX/year>. Not complete and accurate. 

( XXXX XXXX XXXX XXXX card Account number : XXXX date is not reported correct, date last active, last payment not correct, this account is not 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 2024-10-05 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: GA

Complaint narrative:
Subject : Formal Complaint Against Credit Bureaus for FCRA Violations and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am writing to express my deep frustration with the three major credit bureausXXXX, Equifax, and XXXXregarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C. 1681 ]. Despite multiple attempts to correct inaccuracies, these agencies continue to report erroneous information, causing significant harm to my creditworthiness. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding these issues. 
Collection Account Dispute : The account with XXXX XXXX XXXX XXXX, reported on XX/XX/2024, is inaccurately affecting my credit score. I have no contractual agreement with this company, nor have I authorized them to access or utilize my personal information. Under FCRA [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. This has clearly not been observed. 
Inaccurate Late Payment Reporting : My credit report contains unfounded late payment entries, specifically noted in the XXXX report as of XX/XX/2024. According to the FCRA [ 15 U.S.C. 1681i ], upon receiving notice of a dispute, credit bureaus must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The failure to correct these errors indicates a neglect of this duty.

Unauthorized Information Sharing : I have not given consent for my personal and financial data to be shared or sold to third parties. This unauthorized dissemination violates my privacy rights under the FCRA [ 15 U.S.C. 1681b ], which restricts the purposes for which consumer reports may be furnished.

Immediate Action Required : I demand the immediate removal of all inaccurate accounts and erroneous late payment entries from my credit reports. I also request a comprehensive investigation into these violations and a written explanation of the corrective actions taken to comply with the FCRA. 
Should these issues remain unresolved, I will have no choice but to pursue further legal action for damages incurred due to this negligence. 
I trust that the Consumer Financial Protection Bureau will take prompt action to address these serious concerns and hold the credit bureaus accountable for their failure to adhere to federal law. 
Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: GA

Complaint narrative:
Subject : Formal Complaint Against Credit Bureaus for FCRA Violations and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am writing to express my deep frustration with the XXXX major credit bureausExperian, XXXX, and XXXXregarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C. 1681 ]. Despite multiple attempts to correct inaccuracies, these agencies continue to report erroneous information, causing significant harm to my creditworthiness. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding these issues. 
Collection Account Dispute : The account with XXXX XXXX XXXX XXXX, reported on XX/XX/year>, is inaccurately affecting my credit score. I have no contractual agreement with this company, nor have I authorized them to access or utilize my personal information. Under FCRA [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. This has clearly not been observed. 
Inaccurate Late Payment Reporting : My credit report contains unfounded late payment entries, specifically noted in the Experian report as of XX/XX/year>. According to the FCRA [ 15 U.S.C. 1681i ], upon receiving notice of a dispute, credit bureaus must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The failure to correct these errors indicates a neglect of this duty. 
Unauthorized Information Sharing : I have not given consent for my personal and financial data to be shared or sold to third parties. This unauthorized dissemination violates my privacy rights under the FCRA [ 15 U.S.C. 1681b ], which restricts the purposes for which consumer reports may be furnished.

Immediate Action Required : I demand the immediate removal of all inaccurate accounts and erroneous late payment entries from my credit reports. I also request a comprehensive investigation into these violations and a written explanation of the corrective actions taken to comply with the FCRA. 
Should these issues remain unresolved, I will have no choice but to pursue further legal action for damages incurred due to this negligence. 
I trust that the Consumer Financial Protection Bureau will take prompt action to address these serious concerns and hold the credit bureaus accountable for their failure to adhere to federal law. 
Thank you for your immediate attention to this urgent 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 2024-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
On XXXX I requested a payoff of my loan, and to my surpize they are charging me between XXXX to XXXX XXXX dollars more interest than I owe. I have made all payments on time ( XXXX & XXXX ) it appears that they are trying to stop me for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
XXXX  report XXXX loans 90 days late. They have been closed due to consolidation that said they were never late. The company is now defunct, and there is a lawsuit that I believe consumer finance is helping with that said this has been very detrimental on my credit report. I tried to contact the Old XXXX  and they are no longer open. I tried to submit a correction form and they never obliged and then I contacted Aidvantage who now holds my loans and they said they cant do anything and XXXX  said to contact them so its a whole circle back and forth no resolution or progress. Aidvantage said they cant do anything because they didnt hold the loans at the time Navient said they no longer have the files. However when they did they never corrected this error, but it is affected my credit score negatively over XXXX points and I dont know when it will be removed if ever

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
My son attended XXXX XXXX and XXXX  in XX/XX/XXXX. As a parent, I assisted with his student loans debt. This college is no longer in operation. My understanding is as early as XXXX, XXXX XXXX was under investigation and violation of their fact sheet and ethical principles and practicesas noted in the XXXX student report ( XXXX ) for reference. Lawsuits were filed against XXXX XXXX which is noted in the report mentioned above. In the meantime, students and parents such as myself have continued to pay on the student loans. My student loan is with AES loan # XXXX XXXX XXXX. My monthly payment is {$270.00}. I am looking to have this entire loan removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I am writing to formally lodge a complaint against Concora Credit due to severe issues involving a fraudulent Indigo Mastercard account ending in XXXX that has been improperly attached to my profile. This situation is compounded by a late payment error reported for XX/XX/year> on my Milestone account. The circumstances I am facing constitute significant violations of consumer protection laws and have caused substantial harm to my financial standing. 

Overview of Issues : Missing XX/XX/year> Statement : I have not received my statement for XX/XX/year>. This document is essential not only for my financial records but also for legal preparations. This oversight is completely unacceptable and has resulted in significant complications in managing my finances. 
Late Reporting for XX/XX/year> : In addition to the missing statement, Concora has continuously reported a late payment for XX/XX/year>. This late reporting, compounded by negligence in account management, is unjust and damaging to my creditworthiness. Immediate updates are required to rectify this error. 
Fraudulent Indigo Account : A fraudulent account with Indigo has been wrongfully linked to my profile by Concora Credit. Despite an ongoing investigation, the lack of timely resolution has severely harmed my financial reputation. I demand that XXXX XXXX  XXXX be notified of this error for immediate removal, as I have not received adequate documentation or response from Concora. 
Negligence in Account Management : The persistent negligence surrounding my accountspecifically the missing statement, late reporting, and fraudulent accounthas caused considerable stress and financial harm. This situation can not be ignored and requires urgent resolution. 
Requested Actions : I strongly urge the CFPB to take immediate action to : Investigate Concora Credit for their failure to provide my missing XX/XX/year> statement. 
Investigate the late payment reporting for XX/XX/year> and ensure appropriate corrections are made. 
Investigate the fraudulent Indigo account and ensure its prompt removal from my records. 
Review the account management practices of Concora Credit to prevent similar issues from affecting other consumers. 
Supporting Documentation : I have maintained comprehensive records of all communications with Concora Credit and can provide this documentation upon request. 

Thank you for your urgent attention to these pressing matters. I look forward to your prompt response and appreciate your dedication to protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: NY

Complaint narrative:
I recently reviewed copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit

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