vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX late payment : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX collection/charge off : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  personal information : XXXX XXXX ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX Employers : XXXX XXXX XXXX XXXXXXXX, NV XXXX : XXXX XXXX XXXX XXXXXXXX, NV

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX  Account Dear Credit Bureau, I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision.

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations. 

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations.

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ DA ] of the XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate or can not be verified, it must be deleted by the credit reporting agency.

15 U.S. Code 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXX, are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account. 

In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA.

I anticipate prompt deletion [ DF ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, EXPERIAN deleted the following information from my credit report XXXX This item was removed from your credit report. Please review your report for the details. This deletion was based on Deleted - This item was removed from your credit report.

**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that experian has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion.

**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products.

**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report. 
2. Ensure that [ Name of Credit Bureau ] complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with Experian regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
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
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request the immediate blocking and deletion of specific fraudulent accounts from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I have recently fallen victim to a data breach and identity theft. The following accounts were fraudulently opened or reported under my name, and I ask that they be removed from my credit file. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and

the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is in regards to XXXX account # XXXXThe company XXXX sent me an email today stating the results of dispute number XXXX is complete. I checked the credit file and the information is still there. The loan has the same balance of {$2000.00} dollars and the type of loan states unsecure. I again filed another dispute today with dispute number # XXXX. I want this unsecure loan permanently removed from my file because this loan was paid in full in 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is in regards to XXXX account XXXX XXXXXXXXThe company XXXX sent me an email today stating the results of dispute number XXXX is complete. I checked the credit file and the information is still there. The loan has the same balance of {$2000.00} dollars and the type of loan states unsecure. I again filed another dispute today with dispute number # XXXX. I want this unsecure loan permanently removed from my file because this loan was paid in full in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
The morgage company mistakingly payed a tax bill that they hold no interest in and are trying to make me pay for it and will not refund my money or fix their mistake. 
Pretty much paid my neighbors property tax and added it to my escrow account to pay, also charged me overages/fees and changed my payment from XXXX to XXXX. 
They expect me to keep paying for this mistake until they are refunded from the county and I dont feel like that is right! I dont have the extra money to shell out each month for their mistake!

I have attached the receipt where they paid the partial with a completely different address than the loan they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of student loans, personal loans, credit cards, and hard inquiries from XXXX XXXX  with a balance of {$3400.00}, XXXX XXXX XXXX with a balance of {$210.00}, XXXX XXXX XXXX XXXX with a balance of {$40000.00}, XXXX XXXX XXXX with a balance of {$110.00}, XXXX XXXX with a balance of {$30000.00}. The Hard Inquiries that are on my credit report that should also be removed, blocked, and deleted are a Hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiry from Neighborhood Stabili via XXXX Mortgage requested on XX/XX/XXXX, Hard inquiry from Financial Rec Services requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I had a line of credit with First Citizens Bank which I paid off and closed in. XXXX. A debit was taken from my checking account to pay for this closed line of credit. I called First Citizens before the transaction posted to let them know it is fraudulent. The charge still posted to my account on XX/XX/XXXX. I called them again to ask that the charges be reversed. 

When the funds were still not back in my account a week later, I went into the branch on XXXX XXXX on XXXX XXXX, SC. The manager at this branch assured me that she have the funds returned to my account. It has been over a week since that conversation, and the fraudulent charge has still not been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NC

Complaint narrative:
America First Credit Union is reporting a balance on my credit report when the accounts has charged off. The accounts should show a XXXX balance. Also while the account has charged off they are still reporting on a monthly basis. I reached out to the company and ask to fix this. I also reached out the credit bureaus, all they do is dispute and ask them is this information mine and then send me back a XXXX stating that it is reporting correctly. 

There is two accounts with the above company. I will also attached the credit report to show how its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing the following collection account that appears on my credit report : Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$350.00} Account Date : XX/XX/year> I do not recognize this account and believe it was placed on my credit report without proper authorization.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I was victimized by id theft, I did not authorize anyone to use my information, I have filed a police report, an identity theft report, and have mailed it to the credit bureaus. I called the credit bureaus and ask that fraudulent information be removed and it was denied. XXXX would not even remove the invalid personal information like addresses and SSNs etc. The following accounts are fraudulent XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX have not given these companies permission to use my credit and it was not authorized and i did not benefit, I have tried to work with the credit bureaus to no avail.

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 2024-11-06 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: MS

Complaint narrative:
I was victimized by id theft, I did not authorize anyone to use my information, I have filed a police report, an identity theft report, and have mailed it to the credit bureaus. I called the credit bureaus and ask that fraudulent information be removed and it was denied. XXXX would not even remove the invalid personal information like addresses and SSNs etc. The following accounts are fraudulent XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX na XX/XX/XXXX, I have not given these companies permission to use my credit and it was not authorized and i did not benefit, I have tried to work with the credit bureaus to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime denies all my disputes even though I have sent them so much evidence proving the transactions at question were not made by me. 

Please have them investigate my disputes and return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
Upon review of my reports, i have noticed some late payments on an account that i was not late for. The consumer reporting agencies have a vital role and have responsibility to report consumer maximum accuracy to the best of their ability. I have never been late on the accounts that i included in screenshots inside this complaint on the dates of XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2024 XX/XX/2024. 
Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to PAID as agreed on time as they should be, do to never being late! Thank you please see screenshots attached!

Company response to consumer: Closed with explanation