vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: MN

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed { INSERT CREDITOR AND ACCOUNT # } on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by { CRA }. { CRA } has violated my consumer rights and violated federal law. This is the { INSERT # OF LETTERS THAT HAVE BEEN SENT TO TRY AND FIX THIS ISSUE } attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX  regarding inaccuracies on my credit report related to an account ( [ Account Number : XXXX ] ). The account shows a XXXX late payment and a balance of {$650.00}, which I believe are inaccurate and unverifiable. 

Details of the Dispute : Late Payment : The account reflects a XXXX late payment, which is inconsistent with my payment records. 
Despite a dispute, XXXX XXXX  has failed to provide any documentation to validate this late payment.

Balance Discrepancy : The balance reported does not align with my payment history or account terms. 
Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccuracies and request reinvestigation.

Under 15 U.S.C. 1666b, errors in billing and balance reporting must be investigated and resolved.

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 2024-11-26 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: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX  regarding inaccuracies on my credit report related to an account ( [ Account Number : XXXX ] ). The account shows a XXXX late payment and a balance of {$650.00}, which I believe are inaccurate and unverifiable. 

Details of the Dispute : Late Payment : The account reflects a XXXX late payment, which is inconsistent with my payment records. 
Despite a dispute, XXXX XXXX  has failed to provide any documentation to validate this late payment. 
Balance Discrepancy : The balance reported does not align with my payment history or account terms.

Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccuracies and request reinvestigation.

Under 15 U.S.C. 1666b, errors in billing and balance reporting must be investigated and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX  regarding inaccuracies on my credit report related to an account ( [ Account Number : XXXX ] ). The account shows a XXXX late payment and a balance of {$650.00}, which I believe are inaccurate and unverifiable. 

Details of the Dispute : Late Payment : The account reflects a XXXX late payment, which is inconsistent with my payment records. 
Despite a dispute, XXXX XXXX  has failed to provide any documentation to validate this late payment.

Balance Discrepancy : The balance reported does not align with my payment history or account terms.

Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccuracies and request reinvestigation.

Under 15 U.S.C. 1666b, errors in billing and balance reporting must be investigated and resolved.

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 2024-11-26 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: AZ

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND SOMEONE HAS BEEN USING MY PERSONAL INFORMATION TO OBTAIN SERVICES AND GOODS USING MY IDENTITY, THEY HAVE ALSO BEEN PUTTING FRAUDULANT INQUIRES ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. nor therefore any such debt in the fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$730.00}, XXXX XXXX XXXX  XXXX {$72.00}, XXXX XXXX  balance {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. nor therefore any such debt in the fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$730.00}, XXXX XXXX XXXX XXXX {$72.00}, XXXX XXXX balance {$15000.00}

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: MO

Complaint narrative:
XXXX XXXX Social Security XXXX Date of Birth : XX/XX/XXXX This complaint to the CFPB is being submitted to request that Equifax, as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. The inaccurate and fraudulent information relates to the following 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 XXXXXX/XX/XXXX These fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented. For your reference, I have also included a copy of my FTC Identity Theft Criminal Complaint, which confirms that these accounts and inquiries are a result of identity theft and fraud, as verified by the U.S. Federal Trade CommissionXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I rented a property from XXXX  XXXX  for XXXX yrs. My lease was coming up for renewal and the property was sold to other company. Advised the new company that we would not renew that we would vacate property due to increase of the rent. ( {$1200.00} to {$2000.00} ) a month. Never signed any paperwork with new owners. They submitted for collection and the collection company ( national credit ) contacted me and I advised that I did not renew or sign any paperwork with the company and I requested that they provide my signature on paperwork and they stated tgey would let the lawyer know and I didn't hear from them again, but they put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the collection account associated with account number XXXX and a balance of {$610.00}. I have reviewed this account, and I am confident that this is not my debt. 

I do not have any contractual or financial obligation with LVNV Funding LLC, nor do I have any record of a debt with the original creditor, XXXX XXXX XXXX  XXXX, as claimed. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Proof that this debt belongs to me, including verification of my personal information associated with this debt.

2. Documentation from XXXX XXXX XXXX  XXXX validating the origin and legitimacy of this account.

3. A detailed accounting of how the balance of {$610.00} was calculated.

If you can not provide this information, I request that you immediately remove this account from your records and delete it from my credit reports.

Please consider this a formal dispute of the debt. As per the FDCPA, you must cease collection activities and provide verification before proceeding further.

I look forward to your response in writing within 30 days of receipt of this letter. If you can not substantiate your claims, I expect the account to be deleted immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
I am writing to formally dispute the reporting and handling of my XXXX account ( Account # : XXXX ) due to inaccuracies, unauthorized actions, and violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Dispute : Inaccurate Reporting of Late Payments : My credit report reflects late payments ( XXXX, XXXX, and 90 days ) on this account, which is incorrect. I have never missed a payment, and the account was paid on time. The continued reporting of late payments is inaccurate and damaging to my creditworthiness. 

Account Closure and Misrepresentation : The account was closed by the creditor with comments stating it was canceled by credit grantor due to inactivity. However, this does not accurately reflect the circumstances as I have maintained consistent payment activity. 

Unauthorized Auto Payments Post-Closure : Despite the account being marked as closed, XXXX continues to deduct payments from my bank account. This action is unauthorized, deceptive, and contrary to the terms of the agreement for a closed account. 

Violation of XXXX XXXX Laws : Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to ensure accurate reporting. XXXX continued reporting of late payments and improper account closure violates this obligation. 
Under the XXXX XXXX Transfer Act ( EFTA, 15 U.S.C. 1693 ), unauthorized deductions from my bank account after account closure constitute a violation of my rights. 
The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) ensures transparency and fairness in account terms, which has been undermined by XXXX actions.

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 2024-11-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/year>, The mortgage company ( Freedom Mortgage ) put an Escrow fee of {$110.00} on my monthly payment. They demand me to pay {$13.00} extra each month including into my mortgage payment. To avoid late fee and deliquent notice I went ahead and pay the fee and I dispute the fee after that. I requested them to tell me where this fee comes from. The said they will investigate and will repond back to me no later than XX/XX/year>. But they never heard from them about the issue. 

In previous XXXX years, they put escrow fees on my mortgage, I disputed them, and they removed the fees out. This is the XXXX time, They never get back to me. 
They warns me If I don't pay the fee along with my mortgage, they will force late fee on my mortgage payment and followed by a deliquent notice, and they will report to Credit Report agency. 

I have been paying morgage, tax and insurance on my own. I never used or open an escrow account for any service. Please look into my complaint and stop Freedom Mortgage from charge faulty fees on me. I am under emotional stress every time this happens and cost me many hours to solve the issue. They do it every year.

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 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unauthorized wire transfer of {$120000.00} was wired to and from my account without my knowledge or consent. I went and tried to tell the bank to shut down the account and will be changing my number and they have not done so.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding a serious issue with the reporting of a late payment by BANK OF AMERICA , N.A . to the credit bureaus. According to the bank 's records, a payment that I made on time is being incorrectly marked as late. This error has had a significant negative impact on my XXXX XXXX, and the stress of dealing with this misinformation has been overwhelming as I strive to maintain a strong and accurate credit history. This inaccurate late payment is not only misleading to potential lenders but also an unfair representation of my financial responsibility. I have always made a conscious effort to meet all of my obligations on time, and it is incredibly frustrating to see my efforts undermined by a simple reporting mistake. It is troubling that such errors continue to persist, particularly when maintaining accurate credit reports is a clear obligation for financial institutions.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you

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