vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have sent certified mail to XXXX XXXX and XXXX with documents support my dispute. They have violated my consumer rights,. 
They have not removed the accounts from my credit report and i am demanding them to do so.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you in violations of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
These accounts should not be furnished on my consumer reports they in violations Under, 15 U.S Cod e 1681b Permissible purpose of consumer reports ( a ) IN GENERAL ACT following circumstance and no other : ( 2 ) In accordance with the WRITTEN INSTRUCYTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights a s a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: PA

Complaint narrative:
There are some inconsistencies with account XXXX XXXX XXXXXXXX The high credit states XXXX which is inconsistent with XXXX XXXX XXXX as they show {$10000.00}. Please correct this as according to the FCRA my credit report should be 100 % accurate. 
It also states that I was XXXX days late XX/XX/20XXXX XXXX XXXX  days late XX/XX/2023. 
I have never been late on this account since opened. Pursuant to 15 USC 1666b 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 XXXX days before the payment due date. The account above was never late and should be listed as current for the months listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-04-08 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 formally address the ongoing issue of late open accounts on my credit report. This marks my second attempt to rectify this matter, and despite my efforts, the discrepancies remain unresolved. It has come to my attention that there are late open accounts inaccurately reported on my credit file. Despite my initial dispute and subsequent attempt to correct this error, the late open accounts persist, casting a shadow on my creditworthiness and financial reputation. I have diligently followed the procedures outlined by your organization to dispute and rectify inaccuracies in my credit report. However, the lack of action and resolution from your end is concerning and unacceptable. It is imperative that accurate and fair reporting is maintained to ensure the integrity of my credit history. I urge you to conduct a thorough investigation into the late open accounts and take immediate action to rectify this matter. The persistence of these inaccuracies not only affects my ability to access credit but also undermines my trust in your organization 's ability to uphold fair and accurate reporting practices. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX Balance : {$290.00}.

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 2024-04-08 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: TX

Complaint narrative:
I am sending this complaint to convey my profound dissatisfaction with the continued presence of a fraudulent account on my credit report. Upon reporting the identity theft incident, I promptly reached out to the company linked to this fraudulent account. While they acknowledged the validity of the report, they stated their inability to furnish records. However, they assured me that upon submission of the necessary FTC report, the fraudulent account would be expeditiously removed. 

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 2024-04-08 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: CA

Complaint narrative:
I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Upon reporting the case of identity theft, I promptly contacted the company associated with this fraudulent account. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. 

XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Per my Annual Credit Report, Inquiries from XXXX  bureau does not match and is incorrect.

I would like these inquiries fixed as soon as possible. 

Transunion : XXXX XXXX XXXX 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

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 2024-04-08 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: NC

Complaint narrative:
I'm sending this complaint to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE UPDATE MY PERSONAL INFORMATION ON MY CONSUMER PROFILE.

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 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Summary : Mr. Cooper made a mistake on my account and failed to close my load on time. Instead of proactively solving the problem, they put a delinquent record on my credit report and charged me extra money for interest. 

I had a mortgage with Mr. Cooper. I have received a notification stating that I am overdue on my XXXX XXXX, XXXX payment. It left delinquent records on the borrower 's credit reports. I believe this is an error made by Mr. Cooper but hurt the borrowers ' credit records. 

My payoff fund was sent to Mr. Cooper on XXXX XXXX, XXXX, intended to payoff and close the loan. According to Mr. Cooper in a later phone call, the payoff did not take effect immediately due to the balance was insufficient. However, this was made by a mistake from Mr. Coopers XXXX department XXXX which mistakenly made a duplicate payment to my insurance company. If this mistake was not made, my payoff should have been taken immediately on XXXX XXXX, XXXX without any overdue. I contacted Mr. Cooper several times in late XXXX and XXXX to discuss this issue. What Mr. Coopers customer representative told me is that I should request the insurance company to return the overpayment to me and then I can pay off by depositing that overpayment back to my escrow account. Meanwhile, I was told that a request was awaiting XXXX approval to recalculate my interest through XXXX XXXX, XXXX instead of XXXX XXXX, XXXX. I was told that I dont have to pay the XXXX XXXX XXXX 's statement since Mr. Cooper XXXX received my payment fund and the calculation is correct. After receiving the refund from the insurance company, I made the payment on XXXX XXXX, XXXX and the payoff was processed. The payment includes the interest all through XXXX XXXX, even though all my payment was sent to Mr. Cooper by XXXX XXXX, XXXX ( excluding the insurance premium which was double paid by Mr. Cooper ). 

With the facts above, it is obvious that my loan should have been paid off by XXXX XXXX, XXXX if Mr. Coopers XXXX department had not mistakenly made a duplicated payment. I should not be obligated to pay on XXXX XXXX, XXXX, as this is a mistake made by Mr. Cooper, and I was directed by Mr. Coopers service representative to wait till the insurance company refunds the overpayment. Furthermore, I am not obligated to pay the interest through XXXX XXXX, which was charged on their closing calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 non-monetary relief
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: PA

Complaint narrative:
On XX/XX/2024, I sent the letter to the credit reporting agency Equifax, and they did not respond within the 30 day allotted time frame according to Fair Credit Reporting Act with XXXX, XXXX and Equifax. I was not notified of the investigation status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete these accounts from all 3 credit reporting agencies according to 15 U.S.C 1681 section 206A & 15 U.S.C.1681 section 604A ( 2 ) ; 15 U.S.C . 1681 s-2 section 7b ( i ) time of notice. 

The additional attachments for XXXX XXXX XXXX and XXXX XXXX XXXX was to validate the debt and they were unable to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 2024-04-08 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: CA

Complaint narrative:
Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 
I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 
I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 


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 2024-04-08 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: NC

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08 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: NV

Complaint narrative:
XXXX reporting {$25000.00} is false. Staying that there isa breech of contract, transferring funds that was not received. On XXXX, XXXX. I've contacted the company every year. To prove the enrollment was cancelled and discharge and that was corrected. I still see the problem on my credit report. I never received the loan the agreement was cancelled immediately. I did not agree with the total amount for enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: Self Financial Inc.
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I want to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 



XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act convergent Account # XXXX and Account # XXXX has violated my rights 15 U.S. C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604A section 2 it also State a consumer reporting agency can not furnish a account with my written instruction

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