vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: NJ

Complaint narrative:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Subject : Complaint About Misleading Foreclosure Reporting by M & T Mortgage Bank Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding misleading and deceptive credit reporting practices by M & T Mortgage Bank. Specifically, they have reported that a foreclosure was initiated on my mortgage account, despite the fact that I paid the mortgage in full and in accordance with the terms of the contract. 

The report from M & T Mortgage Bank stating that foreclosure started is misleading because the contract does not include any provision for reporting such an event if the account was paid as agreed and settled in full. The reporting of a foreclosure, despite the account being paid off, has created significant obstacles in my ability to secure a mortgage from other lenders. These lenders have been unwilling to approve me for a mortgage due to the false foreclosure reporting, forcing me to seek a loan directly from M & T Mortgage Bank, who is aware that the account was paid in full. 

This reporting is not only deceptive but also harmful, as it misrepresents my credit history and falsely implies that I engaged in a short sale or other foreclosure-related actions. This could impact my ability to obtain credit or loans in the future. 

I believe this misreporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting by all credit reporting entities. I respectfully request that the CFPB investigate this matter and help ensure that M & T Mortgage Bank corrects the false information on my credit reports.

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 2024-12-14 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: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX ( finance ) pulled credit report fraudulently. This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
Saw this account on my credit report, and have never heard or them or been contacted by them before. I don't know of any account with them and they have never contacted me via phone, email or mail to discuss this account. Online reviews say they are a scam and it is concerning to me that this mystery bill just appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — Store credit card
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 have file a dispute XXXX times with Experian. I have also called XXXX 3 times. They told me evertime that they have submitted to Delete it from my credit report all 3 times. Experian credit bureau havent fix the problem of deleting in the XXXX times I have dispute with Experian XXXX times. The dispute keep saying Remains. The other XXXX credit bureau have fixed and removed it from my credit report but not Experian. This account having been paid in full and close but it shows potentially Negative account with its not. Its need to be removed of fixed of I will fall a lawsuit against Experian.

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 2024-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I have had constant unsolicited phone calls from Eastern Account System of Conneticut Inc XXXX XXXX  XXXX XXXX CT XXXX They call over and over multiple times in a row when I am at work and disrupt my focus at my job. 

Between XX/XX/XXXX and XX/XX/XXXX I was in a time zone that was 12 hours ahead. Between these dates I received no less than 48 phone calls, with all of them be received well past XXXX my local time. Many of them past midnight. These calls disrupted my sleep and caused me much distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CT

Complaint narrative:
I was sent an email from the XXXX and the White House stating that I qualified for early forgiveness if switched to the SAVE plan since my original amount borrowed was under a certain amount ( under $ XXXX plus a year for every $ XXXX over that amount ). I submitted and switched on XX/XX/year> which was acknowledged by XXXX and my servicer ( edfinancial ) I should have been included in the wave of forgiveness in XXXX, however Edfinancial failed to process my application in a timely manner and I was passed over for forgiveness. I had multiple chats with Edfinancial in which they acknowledged they had the application, but it was not processed. Unfortunately, they did not process my application until XXXX and the injunction happened not that long after. So now I have missed out on forgiveness that I should have received. I received a letter from them last week acknowledging they did receive my application on XX/XX/year> but failed to process it until XXXX and that they were retroactively applying a forbearance during that time. Unfortunately that also added additional interest to my balance that was not there previous to this letter. I just want to know what options I have, as I should have had my balance forgiven in the XXXX XXXX  and now instead I am stuck in limbo with the SAVE plan being challenged-especially since I only switched to Save because I was told I would get immediate forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: TX

Complaint narrative:
The late payment in question is reported by [ Creditor 's transunion for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX LATE PAYMENT : XXXX XXXX  - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX FL XXXX To Whom It May Concern, This letter is regarding accounts XXXX  XXXX XXXX, which you claim I owe {$1400.00} as a duplicate collection. XXXX XXXX XXXX XXXX which you claim I owe {$2800.00}, {$3200.00}, and {$5700.00} on XXXX different collection accounts. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and Equifax ) from your company is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation- Negligent Enablement of Identity Fraud- Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX. 
XXXX FL XXXX Last XXXX of XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : Better Business Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: VA

Complaint narrative:
ARBRITRATION WILL BE FILED IMMEDIATELY IF THIS IS NOT RESOLVED WITHIN 4 BUSINESS DAYS. 

Transunion has removed XXXX and XXXX XXXX Account from report, but not XXXX. These accounts are a resulto INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX & Transunion File Number : XXXX, XXXX, and XXXX. 

Consumer rights have been violated per 15 U.S. Code 1681n - Civil liability for willful noncompliance & the Fair Credit Reporting Act, Fair Debt Collection Practices Act. INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX, and Transunion report showing proof of claim that 2/3 accounts were removed from the Identity Theft Report. 

We are inquiring to know what does XXXX considered to be a reasonable procedure when investigating your disputes? What steps are taken when a dispute comes through to your company? Is your team looking for the verification and tangible evidence? 

Provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. Explain what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. What certified documents were reviewed to conclude your investigation? Has the Consumer been informed of any steps to take in order to further protect their identity or prevent future fraudulent activities from appearing on their credit report? Did you speak directly to any agent of the company that is reporting the information to confirm the accuracy of what is reporting due to identity theft? As such, the Consumer is exercising their rights under 605B of the FCRA to request the removal of fraudulent items from the consumer 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 explanation
Consumer complaint received 2024-12-14 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: VA

Complaint narrative:
ARBRITRATION WILL BE FILED IMMEDIATELY IF THIS IS NOT RESOLVED WITHIN 4 BUSINESS DAYS. 

Transunion has removed XXXX and XXXX XXXX  Account from report, but not XXXX. These accounts are a resulto INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX & Transunion File Number : XXXX, XXXX, and XXXX. 

Consumer rights have been violated per 15 U.S. Code 1681n - Civil liability for willful noncompliance & the Fair Credit Reporting Act, Fair Debt Collection Practices Act. INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX, and Transunion report showing proof of claim that 2/3 accounts were removed from the Identity Theft Report. 

We are inquiring to know what does XXXX considered to be a reasonable procedure when investigating your disputes? What steps are taken when a dispute comes through to your company? Is your team looking for the verification and tangible evidence? 

Provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. Explain what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. What certified documents were reviewed to conclude your investigation? Has the Consumer been informed of any steps to take in order to further protect their identity or prevent future fraudulent activities from appearing on their credit report? Did you speak directly to any agent of the company that is reporting the information to confirm the accuracy of what is reporting due to identity theft? As such, the Consumer is exercising their rights under 605B of the FCRA to request the removal of fraudulent items from the consumer 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 explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois, XXXX Dear XXXX, This letter is being sent to you in response to a recent charge of {$2700.00} that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief