vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EQUIFAX. regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report XX/XX/year> ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account number : XXXX Disputed Information : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. 

Despite my request, [ Credit Bureau EQUIFAX. Has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mand

ated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to inves
tigate and correct inaccurate information upon notice of a dispute. 

Additional Information : Attached documents : [ 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-08 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: NJ

Complaint narrative:
I feel my information has been exposed within the database breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XXXX XXXX I called Customer Service and had to request to speak with a manager because the Representative was inept. I respectfully request the removal of Late fees from my AAA Visa Credit Card. I was charged the following late fee : XXXX XXXX {$30.00}, XX/XX/year>, {$41.00}, XXXX XXXX. In speaking with the Manager, XXXX, she explained that the late charges were results of payment being made late. I pushback stating that my Payments were made on XX/XX/year> {$200.00}, XX/XX/year> {$260.00}, XX/XX/year> way before the due date and much more than the minimum. She stated that I needed to make my payment after the statement closing date and before the due date to avoid late fees. I requested the regulations and policy that reflect this late fee charges. She stated that it on the statement at the statement closing date. I reviewed the statement closing date which had no information advising me to make my payment after that date. Since I was not given fair warning on late fees procedures in writing, and it is not on the Statement. I requested that these late fees be removed from my account. I am in good long standing account holder and trusted AAA to the point where I did not check my account on a regular basis. The procedures for charging late fees as it relates to payment due date was not known to me until I was charge and called them. If I had known that the payment has to be made after the statement closing date and by the due date. I will of exercise caution and made my payment to avoid a late fee. The knowledge of payment being made between statement closing date and due date is not written on the statement or any policy. So, AAA VISA needs to do the right thing and removed the late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
My information was involved in Equifax data breach. Please remove these accounts immediately. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Request for Removal of Inaccurate Charge-Off Accounts from Credit Reports Complaint Details : To Whom It May Concern, I am submitting this complaint to request the removal of inaccurate charge-off accounts being reported on my credit reports by Experian, XXXX, and XXXX XXXX The accounts listed below no longer represent valid debts and are inaccurately reported, as the amounts in question have been canceled and considered taxable income by the IRS. 
According to IRS regulations, canceled debt is treated as income and is reportable to the IRS via a Form 1099-C. Such income can not simultaneously be reported as outstanding debt on credit reports, as this practice creates a misleading and unfair representation of my creditworthiness. This issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of credit information. 

The accounts that need to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC Identity Theft Report ( Report # XXXX ) for reference. 

Requested Resolution : I am requesting that Experian, XXXX, and XXXX remove the above-listed accounts from my credit reports immediately. Additionally, I request confirmation of these actions and a copy of my updated credit reports. 

Complainant Information : Name : XXXX XXXX Email : XXXX Address : [ Insert Your Address ] Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX Attachments : FTC Identity Theft Report # 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 2025-01-08 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX  AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX AND XXXX 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. 

XXXX XXXX XXXX  AND XXXX XXXX  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 Update the late payments to paid as agreed.

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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was checking my report an saw a hard inquire from XXXX  XXXX VIA DEALER XX/XX/year> on my report an I didn't apply for anything an it is affecting my report an Im in the process of purchasing a home.

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 2025-01-08 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: VA

Complaint narrative:
I was checking my report an saw a hard inquire from XXXX  XXXX VIA DEALER XX/XX/year> on my report an I didn't apply for anything an it is affecting my report an Im in the process of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, my mortgage company had not paid my homeowner 's insurance for a period of 4 months. Unknowingly, I received a letter of cancelation of homeowners insurance for {$3500.00}. 
This came after the mortgage company, not correcting the escrow, when the transaction happened in XX/XX/XXXX. I called XXXX XXXX  on XX/XX/XXXX and they verified that they have not received a payment from 53rd Bank, this was supposed to be paid on XX/XX/XXXX. 

Unfair Practices Second, 53rd Bank did everything possible to prevent me getting a 2 month forbearance, with the option of putting the loan on the back end, making my payments XXXX. I knew my FHA options and they relayed " oh, we can't offer that '' - before any determination was made. They stalled on the process, sending me a letter. Three weeks after my initial paperwork and documentation was in. Sending an email for documents after the fact like this was the first initial starting of the paperwork three weeks later. Resultantly, they delayed the paperwork weeks before they responded trying to cover that they were just reaching out to me XXXX weeks later in XX/XX/XXXX. Initial documents were faxed and submitted on XX/XX/XXXX. I had to end up taking out a loan in order to meet the two months that I needed of grace. Finally, they never post my mortgage payments when it is received, but days later. I am already trailing by 3 weeks because of social security payments. So they pushed me into a 30 day late for XXXX. When the payment was made on XX/XX/XXXX, sending me a letter. Talking about some bankruptcy and they couldn't accept the partial payment of XXXX dollars, which was actually for a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been a Capital One customer since XXXX and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. Capital One was one  of the first companies that was willing to extend credit to me. I am writing to humbly request that you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have XXXX late payment on Capital One Account # XXXX, from last month XX/XX/XXXX. I have never had a single missed payment and this one was due to me switching my autopay bank account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) XXXX XXXX Subject : Request for Removal of XXXX XXXX XXXX Account Due to Court Ruling I am writing to formally request the removal of an inaccurate item from my credit report. The account in question is listed under the name XXXX XXXX XXXX, with the account number XXXX This account should no longer be reported on my credit file due to the following court ruling. Enclosed is a copy of the court statement, which clearly states : " ON THIS DAY, came on for consideration in the above-entitled and numbered cause the Receivers Motion to Terminate Receivership ( No Funds to Disburse ). The Court, having considered the Motion, the records of this Court, and the evidence presented, finds that proper notice to the parties has been made, the receivership should be terminated and the Receiver should be discharged. Therefore, Receivers Motion to Terminate Receivership ( No Funds to Disburse ) is in all respects GRANTED as follows ; IT IS ORDERED that this receivership is hereby terminated, the actions taken by the Receiver during this receivership are approved, and the Receiver is discharged and released from further obligations or liability with regard to this receivership. '' As the receivership has been terminated, and there are no funds to disburse, this account is no longer valid. Therefore, I am requesting that you remove the XXXX XXXX XXXX account from my credit report immediately. Please investigate this matter promptly, and send me a confirmation letter once this account has been removed. I appreciate your timely attention to this matter. Thank you for your assistance. 

Sincerely, 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: UT

Complaint narrative:
I have received numerous phone calls from this company about my account and payment on my vehicle which I do use for work. Its like my office I dont get, but I only get paid monthly and when I last spoke to XXXX at global lending this was a week ago, so this was XX/XX/year>. I explained my situation I even made a payment to them to get the repossession pulled back now somebody named XXXX is calling me blowing my phone up and Ive explained to them over and over that I get paid once a month they took I made a payment. I can not make another payment until I get paid again at the end of the month, but yet they keep calling me and threatening to repossess my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
On XX/XX/XXXX, I sent Experian credit bureau a certified letter requesting the removal of XXXX XXXX XXXX to be removed from my credit file, for the agency 's failure to provide debt validation. When I initiated a CFPB complaint against XXXX XXXX XXXX, they provided a document stating they sent me validation but the document contained an incorrect address that I was never associated with in my life. In turn, I used this document I received directly from XXXX XXXX XXXX and sent it to the Experian credit bureau to have the account removed from my credit file. However, after providing this documentation twice. Once via postal mail that yielded an unfavorable result on XX/XX/XXXX and I resubmitted the dispute again on XX/XX/XXXX online via my Experian account, and within XXXX hour, the investigation concluded quickly stating the account is accurate.

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 2025-01-08 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: MS

Complaint narrative:
For the company to do what is fair to me as the consumer and remove the inaccurate and unverifiable information from my 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 non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express high yield savings closed my account XX/XX/XXXX for no reason after money was fraudulently taken from it and they were suppose to send me my money of {$15000.00} and havent received it. I have a police report as well

Company response to consumer: Closed with explanation