vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: AL

Complaint narrative:
I am writing to dispute the inaccurate information reported on my credit report by all three Consumer Reporting Agencies. Specifically, my account with XXXX ( Account Number : XXXX ) is showing multiple months of being 180 days late, which is incorrect and misleading. 

Details of the dispute are as follows : XXXX. Inaccurate Late Payments : My credit report shows that I was 180 days late for multiple consecutive months in XXXX and XXXX. This is factually incorrect and does not reflect my actual payment history. Such inaccuracies are severely impacting my credit score and overall creditworthiness. 

This inaccurate reporting is a direct violation of the Fair Credit Reporting Act ( 15 USC 1681 ). I am hereby putting you on notice that failure to remove this inaccurate information from my consumer report within 30 days will be considered willful noncompliance with the FCRA. 

I request that XXXX, Experian, XXXX, and XXXX take immediate action to investigate and remove this inaccuracy from my credit report. Please provide written confirmation of your investigation and the corrections made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Upon checking my credit score, it was brought to my attention that on XX/XX/XXXX there was a citibank credit card opened under my name. This card was never opened by me, this was opened fraudulently using my social security number. This card was maxed out at {$6800.00} and has now been closed as of XX/XX/year> by credit grantor CITICARDS CBNA. I have gone ahead and reached out to CITI bank and informed that this Credit card was opened fraudulently under my name, they have informed the account has been closed and there is nothing that can be done at the moment. They informed that fraud investigations will reach out to me if additional information is needed. I did receive an email on XX/XX/XXXX to confirm if opened this card, I never confirmed the card through the email. If i would've caught this on earlier i was have obviously declined me opening this new credit card.

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 2024-07-09 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This is a formal complaint regarding the Debt Collection company Credit Collections. Credit Collections are reporting inaccurate and incomplete credit information. I am distressed that they have included mis-information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. I have never heard of Credit Collections, never done any business with them nor never signed any contract with them. 

They are reporting inaccurate information on my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. I have know knowledge of these collections accounts. 

The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear CFPB, XXXX XXXX  XXXX, and XXXX, I am filing this formal complaint concerning significant inaccuracies in the reporting of my mortgage account, which has adversely affected my credit report. Despite entering into forbearance with your company, I have observed multiple late payments incorrectly reported on my credit report. I was explicitly informed that during forbearance, payments would not be marked as late but would be deferred to the end of the loan term. 

This discrepancy has emerged as a critical issue during my recent home purchase process, where these inaccuracies were cited as the primary obstacle. Despite numerous conversations with your customer service team, there has been no clear explanation for these reporting errors. It appears that each month 's payment is being reported as late from the previous month, which is both confusing and incorrect. 

Furthermore, there are additional inaccuracies and incomplete information regarding this account on my credit report. I believe that this reporting not only contradicts our forbearance agreement but also violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Codes 1666b, which protects consumers from inaccurate reporting. 

I kindly request the following actions to resolve this matter promptly : Immediate correction of the inaccurate reporting of late payments on my credit report for the months during which the account was under forbearance. 
Complete removal of any incomplete or inaccurate information related to this account from my credit report. 
Assurance that all future reporting accurately reflects the terms of our forbearance agreement and my payment history. 
Investigation into the root cause of these reporting errors and implementation of measures to prevent recurrence. 
These actions are essential to safeguard my consumer rights and ensure fair and accurate credit reporting. I expect your cooperation in rectifying these issues swiftly to mitigate any further impact on my credit standing.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear CFPB, XXXX XXXX  XXXX, and XXXX, I am filing this formal complaint concerning significant inaccuracies in the reporting of my mortgage account, which has adversely affected my credit report. Despite entering into forbearance with your company, I have observed multiple late payments incorrectly reported on my credit report. I was explicitly informed that during forbearance, payments would not be marked as late but would be deferred to the end of the loan term. 

This discrepancy has emerged as a critical issue during my recent home purchase process, where these inaccuracies were cited as the primary obstacle. Despite numerous conversations with your customer service team, there has been no clear explanation for these reporting errors. It appears that each month 's payment is being reported as late from the previous month, which is both confusing and incorrect. 

Furthermore, there are additional inaccuracies and incomplete information regarding this account on my credit report. I believe that this reporting not only contradicts our forbearance agreement but also violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Codes 1666b, which protects consumers from inaccurate reporting. 

I kindly request the following actions to resolve this matter promptly : Immediate correction of the inaccurate reporting of late payments on my credit report for the months during which the account was under forbearance. 
Complete removal of any incomplete or inaccurate information related to this account from my credit report. 
Assurance that all future reporting accurately reflects the terms of our forbearance agreement and my payment history. 
Investigation into the root cause of these reporting errors and implementation of measures to prevent recurrence. 
These actions are essential to safeguard my consumer rights and ensure fair and accurate credit reporting. I expect your cooperation in rectifying these issues swiftly to mitigate any further impact on my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear CFPB, XXXX XXXX  XXXX, and XXXX, I am filing this formal complaint concerning significant inaccuracies in the reporting of my mortgage account, which has adversely affected my credit report. Despite entering into forbearance with your company, I have observed multiple late payments incorrectly reported on my credit report. I was explicitly informed that during forbearance, payments would not be marked as late but would be deferred to the end of the loan term. 

This discrepancy has emerged as a critical issue during my recent home purchase process, where these inaccuracies were cited as the primary obstacle. Despite numerous conversations with your customer service team, there has been no clear explanation for these reporting errors. It appears that each month 's payment is being reported as late from the previous month, which is both confusing and incorrect. 

Furthermore, there are additional inaccuracies and incomplete information regarding this account on my credit report. I believe that this reporting not only contradicts our forbearance agreement but also violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Codes 1666b, which protects consumers from inaccurate reporting. 

I kindly request the following actions to resolve this matter promptly : Immediate correction of the inaccurate reporting of late payments on my credit report for the months during which the account was under forbearance. 
Complete removal of any incomplete or inaccurate information related to this account from my credit report. 
Assurance that all future reporting accurately reflects the terms of our forbearance agreement and my payment history. 
Investigation into the root cause of these reporting errors and implementation of measures to prevent recurrence. 
These actions are essential to safeguard my consumer rights and ensure fair and accurate credit reporting. I expect your cooperation in rectifying these issues swiftly to mitigate any further impact on my credit standing.

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 2024-07-09 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: NY

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6600.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: NE

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 1. XXXX  XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXXUS DEPARTMENT OF ED ... ACCT # XXXX XXXX. XXXX XXXX ... ACCT # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ... ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... ACCT # XXXX Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
HI CITIBANK CARDS ; CFPB ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2023. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. This is also the time i was XXXX for months due to XXXX and i had relay this message to your company and i was told that i shouldn't worry about this and my bank was also compromised.

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 monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-07-09 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
It has been 7 years and this record has been on my XXXX and XXXX. Transunion deleted once I went to the court house and notified them the courthouse did not report this information. 

This information has been requested to deleted from 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
It has been 7 years and this record has been on my equifax and XXXX. XXXX deleted once I went to the court house and notified them the courthouse did not report this information. 

This information has been requested to deleted from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercury Financial Intermediate LLC
State: NY

Complaint narrative:
I can see a collection have been filed on my credit card, I don't know which credit card is this and I Don't see any installment payment option. I work part time and pay my rent, bills. I can not afford one time payment. I need an installment payment option as low as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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 am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX Balance : {$260.00}.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We received email from Lowe 's with attached invoices that are fraudulent. Under acct. ending XXXX, Invoice # XXXX, XXXX XX/XX/year> for {$360.00} and invoice # XXXX dated XX/XX/year> for {$330.00}. They are from Lowe 's in XXXXXXXX XXXX. We reside in XXXXXXXX XXXX. Our daughter is listed as the buyer but did not make any changes to this account. She's also in XXXXXXXX XXXX. What do we do? 
Attached invoices

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