vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: PA

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry that has appeared on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 15 U.S. Code 1681 ( Section 602 ), I am entitled to protection against any unauthorized use of my personal information, including inquiries into my credit report without my explicit permission. 

The following inquiry was made without my consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry, and I have not applied for any credit with this entity. Therefore, it is a violation of my rights under the FCRA. I demand that this inquiry be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
This account is reporting inaccurately, I am seeing repetitive late marks and inaccurate payment history, I see repetitive 30, 60, 120 & 180 days late marks which is clearly inaccurate and in violation of the FCRA, since XX/XX/year> XXXX is reporting GOOD payment history while XXXX XXXX XXXX is reporting with late remarks.

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 2024-09-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX SYNCB/LOWES XXXX I contacted credit reporting bureau XXXX XXXX XXXX XXXX I was told to file a FTC Report get a copy of the report and mail it in so the inquiry can be removed 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 non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding the mishandling and poor management of my mortgage process by Lennar Mortgage. Throughout this process, I have encountered numerous issues that have led to significant frustration and delays, which I feel compelled to address. 

Poor Communication : Communication has been consistently unclear and unprofessional. I was not adequately informed about crucial steps, deadlines, or the required documentation, which created confusion and setbacks. 

Disorganization : The mortgage process has been marked by extreme disorganization. There were repeated requests for the same documents, and it became apparent that there was no proper internal coordination in managing my case, resulting in avoidable delays and complications. 

Lack of Client Understanding : Despite providing detailed information regarding my financial situation, it is clear that your team did not fully understand or consider my unique circumstances, especially concerning my foreign financial status and income sources. This lack of understanding led to erroneous assessments and decisions that have seriously impacted my ability to move forward. 

False Expectations and Information Omission : Throughout the process, I was provided with unrealistic expectations that were never met. Critical details about the terms and conditions were also omitted, which has severely affected my decision-making and planning. 

Due to these ongoing issues, I request a thorough and transparent explanation of the actions taken in my case, as well as immediate corrective measures. Failure to address these concerns may result in further action, including legal recourse, to ensure that such mishandling does not affect other clients in the future.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: VA

Complaint narrative:
Good day, this is really frustrating - the errors you keep reporting on my credit substantially affects my dream of reaching financial freedom. My new credit applications and loan requests keeps getting denied because of your inaccurate reporting, this is truly depressing. You keep on stepping on my rights as a consumer which is a clear violation of the law.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Have tried repeatedly ( as in, more than 25 times in the last two weeks ) to complete the Experian account setup process. Again and again ( and again ), have entered SSN, phone #, numerical portion of address, scanned passport and taken selfie. And every time Experian 's application setup process hangs while processing image verification. Experian 's automated phone assistance is beyond USELESS, and never allows contact with a human being who might be able to assist in completing this process. 

As my SSN was exposed in the latest mass data breach, I want to be able to quickly freeze/unfreeze credit request authority , but while XXXX and XXXX make that possible, Experian does not. Given how absolutely worthless its automated phone system is, this company NEEDS to provide human support for problems with accounts.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the 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 non-monetary relief
Consumer complaint received 2024-09-06 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: CA

Complaint narrative:
Im 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 non-monetary relief
Consumer complaint received 2024-09-06 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:
This letter serves as my final demand regarding the ongoing dispute over the inaccurate and invalid negative account that continues to be reported on my credit report. Despite multiple attempts to resolve this issue, you have failed to correct the discrepancies in reporting across the credit bureaus, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: NY

Complaint narrative:
This letter serves as my final demand regarding the ongoing dispute over the inaccurate and invalid negative account that continues to be reported on my credit report. Despite multiple attempts to resolve this issue, you have failed to correct the discrepancies in reporting across the credit bureaus, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).

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 2024-09-06 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: MI

Complaint narrative:
Experian is in violation of my FCRA right 15 U.S.C. 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigation of Disputed Information Consumer reporting agency ( CRA ) must reinvestigate disputed information within 30 days ( b ) Notification of Consumer CRA must notify consumer of results of reinvestigation ( c ) Deletion of Inaccurate Information CRA must delete inaccurate information from consumer 's file ( d ) Notification to Consumer of Deletion CRA must notify consumer of deletion ( e ) Statement of Dispute Consumer may add statement to report explaining dispute 15 U.S.C. 1681e ( b ) - Furnisher Responsibilities Furnishers must : - Provide accurate information - Correct and update information - Notify CRA of disputes 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance Consumer may sue for damages, including statutory and punitive damages, for willful noncompliance 15 U.S.C. 1681o - Civil Liability for Negligent Noncompliance Consumer may sue for actual damages for negligent noncompliance Remember, these rights aim to protect consumers from inaccurate information on their credit reports. If you suspect inaccuracies, review your report and dispute errors with the CRA and/or furnisher. 

XXXX XXXX XXXX Account XXXX 1. ) Balance Is Inaccurate & Should Be Reporting Balance As {$0.00}.

( attached is account statement showing account was paid to {$0.00} on time! ) 2. ) XXXX Statement For This Account Isnt Available Until XX/XX/XXXX  & Payment Isnt Due Until XX/XX/2024, So How Is Experian Reporting A Payment For XXXX?? 

Please Update My Report Immediately!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been trying to access my transunion credit report since XX/XX/year>. The website kept returning error and stating that I can not access my credit report online. I called the customer service number and was told that they are sending my report in XX/XX/year>. I have not received my transunion credit report by mail and I still am not able to access my transunion credit report online. TransUnion is in violation of federal law by not allowing me access to 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 non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the 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 non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST PORTFOLIO SERVICING INC
State: WA

Complaint narrative:
I keep getting harassing calls from various numbers I blocked saying they are trying to collect a debt, that is old, disputed, removed, and deleted from my credit reports trying to offer me deals I am not obligated to pay in the excess amounts of XXXX, XXXX, and XXXX dollars, which I do not owe WHO ARE TRYING TO XXXX XXXX  OVER MY CREDIT REPORTS I HAVE WORKED SO HARD TO FIX FOR THE LAST 10 YEARS. 

THEY ARE CALLED THE XXXX XXXX XXXX NAME IS XXXX XXXX, XXXX, CASE # XXXX. 

I don't owe Total VisaXXXX XXXX who never lived in Idaho, but I need me a XXXX XXXX  who I'd XXXX know like another XXXX night stand in XXXX, XXXX to other areas of the XXXX XXXX XXXXh a down too much approach. People, lawyers, colleges, and government/corporate organizations owe me money as I have a litany of people who need to gim me all my money from DFAS from the military, federal agencies since XXXX  to present day with a XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my latest credit report, I found multiple fraudulent accounts that I believe were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: GA

Complaint narrative:
I sent Experian a request to provide a validation of debt / assignment contract on XX/XX/year>, Instead I received the generic reply " Account information disputed by consumer ( Meets requirement of the fair Credit Reporting Act '' ) I am certain that they did not investigate my dispute, Instead they used XXXX to provide me with my final results. The debt that is on my credit report is XXXX XXXX XXXX account XXXX. I request that they provide me with the the verification of debt as I previously requested. I request that Experian provide a description of the procedure used to determine the accuracy of the debt. I also request that they include the name and phone number of anyone contacted in connection with the investigation.

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 2024-09-06 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: 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 Experian 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  XXXX Account Number : XXXX Dates of Late Payments XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 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