vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/98 Complaint Overview : I am submitting this complaint due to inaccurate and misleading information being reported on my credit report by Experian XXXX XXXX XXXX XXXX XXXX Despite multiple attempts to resolve this issue directly with the credit bureau, the inaccuracies remain, and I am seeking the Consumer Financial Protection Bureaus assistance in investigating and correcting these errors. 
Account : XXXX XXXX XXXX # XXXX Key Issues : Late Payments Misreported as Income : Several late payments on my open accounts have been incorrectly reported as income on my credit report. According to 26 U.S.C. 61 ( a ), income refers to gains or profits such as wages, dividends, or other sources. Late payments are not taxable income, and therefore reporting them as such is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors and credit bureaus are required to report information accurately. The classification of late payments as income violates federal law. 
Closed Accounts Incorrectly Reported as Charged-Off : Certain closed accounts are being inaccurately reported as charged-off, despite having been resolved. These accounts should be updated to reflect a status of paid as agreed.

Under 28 U.S.C. 3201 ( e ) and 31 C.F.R. 285.12, debts classified as Certificates of Indebtedness should not continue to be reported negatively once resolved. The current reporting is not in compliance with these statutes.

Specific Actions Requested : Immediate removal of late payments that are incorrectly classified as income from my credit report, while keeping the open accounts active and positive. 
Update of closed accounts currently reported as charged-off to reflect " paid as agreed '' with a positive status, as required by federal law. 
Attempts to Resolve the Issue : I have previously contacted Experian, XXXX, and XXXX to dispute these items and requested verification of the information as per the Fair Credit Reporting Act. However, the credit bureau has failed to correct these inaccuracies or provide adequate verification of the information in question. I am now seeking the CFPB 's assistance in holding the credit bureau accountable and ensuring that they follow federal guidelines. 
Relevant Laws Cited in My Dispute : 26 U.S.C. 61 ( a ) Income does not include late payments or delinquent debts.

15 U.S.C. 1681s-2 ( a ) Furnishers of credit information must ensure the accuracy of reported data.

28 U.S.C. 3201 ( e ) Guidelines for debts classified as Certificates of Indebtedness.

31 C.F.R. 285.12 Restrictions on how settled government debts should be reported.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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.

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 a 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 Any 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 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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.

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 a 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 Any 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 2024-09-25 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: FL

Complaint narrative:
Hey To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

Your immediate attention to this matter is appreciated. 
Sincerely, unauthorized credit 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
Hey To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely, unauthorized credit 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

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.

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 a 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 Any 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 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My ex husband XXXX XXXX XXXX mortgaged his home on XXXX with Chemical Bank. On XX/XX/year> he quit claimed the property to me. He passed away on XX/XX/scrub>XXXX XXXX  I spoke with Chemical Bank at that time. I was told that as long as the payments were made, the mortgage would stay as is. On XXXXXXXX  received letter requesting proof of insurance. Had insurance FAXed to bank by agent. Another letter dated XXXX Spoke with XXXX. Another proof sent. Went to local bank several times to take copy of insurance. XXXXXXXX  another letter. Insurance agent sent another copy of insurance ( FAX ) XXXX. XXXX Hazard insurance added by bank. THis was not necessary as house was insured. 
Increased payment {$430.00} to XXXX. I spoke with several people at XXXX, MI branch. Each time I was told insurance issue was taken care of. I spoke with the attorney that had written deed transfer. She suggested that I write a letter and send copies of Insurance again plus tax receipt and deed which I did. Now a Notice of Intention to Accelerate and Foreclosure. Every time I call the Bank, I am told they can not speak to me. I am trying to get a payoff. XXXX payment returned in ex husband 's name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i sent in several attempts to collect all the debt validation under the fdcpa and countless times they have failed to prove me with everything. Attached is the validation request i sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: MD

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 2024-09-25 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax and XXXX Immediately! 

XXXXXXXX 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 2024-09-25 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX and XXXX Immediately! 

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 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 2024-09-25 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-25 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:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After carefully reviewing my latest credit report, I've identified multiple accounts that I believe are inaccurately listed and were added without my consent.

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 2024-09-25 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: AZ

Complaint narrative:
am writing to express my serious concern regarding the inaccuracies on my credit report, specifically the disputed accounts that have not been corrected despite my repeated efforts to bring them to your attention. I have submitted multiple requests for a thorough investigation into these errors, but I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts has caused significant damage to my credit file, adversely impacting my ability to manage my finances and creating unnecessary hardships in my personal and professional life. These inaccuracies are not only misleading but also unfairly impairing my creditworthiness. 

I kindly urge you to conduct an immediate and thorough investigation into each of the disputed accounts and take all necessary steps to ensure that my credit report is corrected. It is critical that these errors are addressed promptly to restore the accuracy and integrity of my credit profile. 

I sincerely hope you will prioritize this matter and take swift action to resolve it. I trust that your cooperation and support will help me regain control over my financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution at the earliest possible date.

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 2024-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
XX/XX/year> requested cashiers check. XX/XX/year> confirmation of cashiers check and sent to receipient via XXXX XXXX. XX/XX/year> Received email from fraud protection to call them. Spoke with fraud protection, verified all of the information and then was informed I was too late because a stop payment was put on the check and I should inform the receipient to not attempt to cash the check and to destroy it. The funds would be replaced in 3 business days. XX/XX/year> Called to find out the status of replacing the funds and was told it should be by XX/XX/year>. She asked me about the physical check and I informed her it had been destroyed as requested. XX/XX/year> Received email requesting an an affidavit be notorized and returned to them before my funds would be retstored. Called to find out what was going on as I had followed all of the instructions and was told this is what i have to do to get my funds back and it will take an additional 5-7 Business days after receipt of the affidavit, which means they will have had my money for over two weeks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I invested {$3000.00} into an e-commerce course, believing it would provide me with everything I needed to build a successful online business. At first, they made it sound like a complete packagepromising step-by-step guidance, mentoring, and all the tools necessary to get started. However, once I got into a XXXX  call with them, it quickly became clear that things werent as they had initially advertised. 

Instead of delivering on their promises, they started pushing me to pay even more money for additional resources that were supposedly necessary for success. Every step forward came with another demand for more cash. It felt like they had scammed me, trapping me into an endless cycle of upsells. What I thought was a straightforward investment turned out to be a shady scheme.

Company response to consumer: Closed with explanation