vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: PA

Complaint narrative:
I am writing to formally follow up on a dispute I previously submitted regarding the XXXX XXXX  account, which is inaccurately reported on my credit file with your bureau. 
Despite my earlier communication and requests for correction, I have yet to receive a satisfactory resolution or an updated credit report reflecting the accurate status of this account.

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am still waiting for a decision on from Citibank on my dispute Subject : Formal Complaint Against XXXX for Misrepresentation and XXXX Customer Service Dear [ Recipient 's Name or Department ], I am writing to formally lodge a complaint against XXXX regarding the handling of my claim and the misrepresentation of the services offered under your extended warranty plan. My experience with your company has been deeply frustrating and has led me to lose trust in the integrity of your services. 

Firstly, I have been repeatedly transferred between different customer service representativeson XXXX occasion, I was transferred XXXX timeswithout ever being able to speak to an adjuster. It is extremely concerning that the adjusters are located in the XXXX, making it nearly impossible to communicate effectively or resolve my issue in a timely manner. 

Furthermore, despite being informed that my repair would be covered, XXXX has failed to honor this commitment. I was left with no choice but to pay for the repair out of pocket, despite it being a valid claim under the terms of the extended warranty. This constitutes a clear case of misrepresentation and fraudulent behavior on the part of XXXX. 

I am requesting immediate reimbursement for the repair costs that should have been covered by my warranty. Additionally, I expect a full review of my claim and the customer service practices that have led to this situation. 

If this matter is not resolved promptly, I will be forced to escalate my complaint to the appropriate consumer protection authorities and consider legal action to recover my losses. 

I look forward to your prompt response and resolution of this matter. 

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 monetary relief
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
My name is XXXX XXXX I had a home loan through Freedom Mortgage Corporation loan number XXXX for my home at XXXX XXXX XXXX  XXXX OH, XXXX. I sold that home on XXXX XX/XX/2024. After XXXX weeks of not receiving my Escrow check in the mail I called Freedom Mortgage on XXXX XX/XX/2024. I was told they mailed my check to my old address and if I wanted a check mailed to my new address I needed to wait 30 days from the date that check was sent for them to cancel that check and send a check to the correct address. I do not understand that policy as that would put them outside of the XXXX standard set by the Consumer Financial Protection Bureau. 

I called again on XX/XX/XXXX for an update, I was told the new check was not sent out but they will get it expedited as it had been over 30 days. That day I spoke with XXXX license number XXXX. 

On the XXXX of XXXX I still had no check. I once again called Freedom Mortgage for an update. This phone call I was told my check was resent on XX/XX/XXXX and it will take XXXX business days to arrive. Not counting the XXXX as a business day would have the check arriving on the XXXX. 

I am writing this on XXXX the XXXX because I still have not received that check. I called today and was told the person before me made an error and the check actually did not get sent until XX/XX/XXXX. Six business days from that date would have the check arriving at my house on the XXXX of XXXX, XXXX after I sold my home. This is unacceptable. I have waited 60 days, made multiple phone calls and the company when I should have had the check in 20 days.

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 2024-08-19 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:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I requested account to be closed upon full payment on XXXX, 2023. The representative assured the account will be closed upon full payment. I made the payment in full, but the account remained active unknown to my knowledge or my permission. I need for this to be corrected, since its hurting my ability to gain credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-19 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: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I am filing this complaint because I am having trouble with a student loan servicer called 'Dept of EdXXXX XXXX and incomplete account on my credit reports. I disputed their account in XXXX of 2024. The issue that the account had was its incompleteness. The payment history specifically. I recall the Fair Credit Reporting Act section 1681s-2 ( b ) ( 1 ) stating that after the have a received a dispute from a C.R.A about an account they furnished, they are required to investigate the matter along with any supporting documentation provided to them as the data furnisher. I have given them ample enough time to conduct a reasonable investigation about the account I have with them, and I was very clear stating that the payment history of the account they furnished fails to report complete payment history on my credit reports with the consumer reporting agencies. This company did not do a reasonable investigation, and I believe they are not looking beyond what is currently in their system pertaining to the correct information needed to update and correct the incomplete account because the same disputed information was not resolved rendering the disputed information incomplete. They updated information that has nothing to do with the issue I prompted them to fill in and correct. They went around the actual problem instead of addressing it. According to the Fair Credit Reporting Act section 1681s-2 ( b ) ( 1 ) ( E ) data furnishers are required to promptly delete an incomplete account if they failed to correct it because at that point it would be considered to be unverifiable. Why are these creditors not taking accountability? They are abusing their power and screwing up our livelihoods as living breathing human beings. A group of humans toying with another human 's life due to negligence without a care as to how it could affect that person even labelled as a consumer. It is not fair. According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ), ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding a credit card account with Navy Federal Credit Union, which is currently reported as " In Collections/Charge-off '' with an amount past due of {$13000.00}. Despite a previous dispute, this account remains on my credit report with a derogatory status, which is causing significant harm to my credit and hindering my ability to rebuild a relationship with Navy Federal.

A charge-off typically indicates that the creditor has written off the debt as uncollectible, yet the presence of an outstanding balance suggests that the debt is still being pursued. This contradictory reporting is misleading and confusing, which may not accurately reflect the status of the debt.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), information reported to credit bureaus must be accurate and not misleading. The continued reporting of a charge-off with a substantial outstanding balance is both misleading and unfair.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is prohibited for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of any debt. The conflicting information presented by this account status may constitute a misleading representation of the debts status.

Given these issues, I request that this charge-off be removed from my credit report entirely. Its continued presence, along with the reported balance, is damaging to my credit and preventing me from rebuilding a positive relationship with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: VT

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-19 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 requesting that it will be removed from my credit report as soon as possible.

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 2024-08-19 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: AL

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

Company 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-08-19 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: PA

Complaint narrative:
I am writing to formally follow up on a dispute I previously submitted regarding the XXXXXXXX XXXX account, which is inaccurately reported on my credit file with your bureau. 
Despite my earlier communication and requests for correction, I have yet to receive a satisfactory resolution or an updated credit report reflecting the accurate status of this account.

Company response to consumer: Closed with explanation