vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: MD

Complaint narrative:
I have student loans with XXXX XXXX and XXXX only. They both appear on all 3 of my credit reports. XX/XX/XXXXXXXX XXXX is reporting 3 separate entries on my equifax report, account ending in XX/XX/XXXX. This should not be on my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-22 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: MO

Complaint narrative:
I recently contacted law enforcement agency & submitted an ID Theft report. My consumer report has multiple misinformation fraudulent accounts opened using my personal information. This violates FCRA section 1681c & section 1681s ( a ) ( 1 ) & my right to privacy. 

Accounts ; XXXX XXXX, XXXX XXXX XXXX Address ;. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: MO

Complaint narrative:
I recently contacted law enforcement agency & submitted an ID Theft report. My consumer report has multiple misinformation fraudulent accounts opened using my personal information. This violates FCRA section 1681c & section 1681s ( a ) ( 1 ) & my right to privacy. 

Accounts ; XXXX XXXX, XXXX XXXX XXXX Address ;. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
The account is invalid. I.C. SYSTEM, INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


I.C. SYSTEM, INC XXXX, I.C. SYSTEM, INC 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I filed for XXXX back in XXXX and listed my vehicle in my XXXX. The vehicle was financed through XXXX XXXX XXXX. The vehicle was paid off through the XXXX. XXXX received funds for the vehicle. But keeps reporting the vehicle as being charged off on all 3 of my credit reports. Ive ask that they validate it up date the information or completely remove it from my credit report but instead they keep reporting it as a charge off. When I asked for the removal or validation back in XXXX of XXXX they then started reporting it as a charge off and have been doing so.i would like for it it be completely removed from my credit reports altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXXXXXX XXXX  {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am writing to formally dispute the information that Portfolio Recovery Associates , LLC is reporting on my credit file. The account in question is inaccurately listed as being originated by Portfolio Recovery Associates , LLC. However, as a debt collection company, you acquired this account from the original creditor, and you are not the original creditor. This misinformation is misleading and has caused significant difficulties for me in obtaining credit. 

I am requesting that Portfolio Recovery Associates , LLC take immediate steps to correct this inaccurate information. Specifically, I request the following : 1. Update the account information on my credit report to accurately reflect that Portfolio Recovery Associates , LLC is not the original creditor, but rather a collection agency that purchased the debt. 


2. Ensure that all credit reporting agencies ( XXXX, XXXX, and XXXX ) reflect the corrected information on my credit file. 


3. Provide written confirmation of these corrections, and notify me once the updates have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MI

Complaint narrative:
I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXX XXXX for the account number XXXXThe late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Equifax are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: NJ

Complaint narrative:
n 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 u.s.c. 1681.. Account Name... .. XXXX XXXX XXXX Account XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Account Name... XXXX .... Account name... XXXXXXXX XXXX  ... XXXX XXXX XXXX ... Account Name ... XXXX XXXX Account name.. XXXX XXXX XXXX XXXXXXXX ... Account Name ... XXXX XXXX.. Account Name ... XXXX XXXXXXXX XXXX XXXX. 15 u.s.c 1681 section 602A. States I have the right to privacy.. 15 u.s.c. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ... 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
n 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 u.s.c. 1681.. Account Name... .. XXXX XXXX XXXX Account XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Account Name... XXXX .... Account name... XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... Account Name ... XXXX XXXX Account name.. XXXX XXXX XXXX XXXX  ... Account Name ... XXXX XXXX. Account Name ... XXXX XXXXXXXX XXXX XXXX 15 u.s.c 1681 section 602A. States I have the right to privacy.. 15 u.s.c. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ... 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

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 2024-10-22 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
I am a homeowner with a mortgage held by M & T Bank. I have a wife and a one year-old daughter with another baby due on XXXX day. 

For the entire year of XXXX  I have been trying to reason with what I now consider to be a predatory lending institution know as M & T Bank to reduce my mortgage payments so that I can keep a roof over my family 's heads while still being able to pay the rest of my bills and provide clothes, food, etc. 

As you may have noticed, the economy has been in rough shape and my particular industry, which is mortgage finance, has been in an especially precarious position. 

M & T Bank has been rude, unaccommodating, and unhelpful in this process. Having worked in mortgage finance for years, I can say with confidence that I have never encountered a mortgage lender that refuses to eliminate the cushion on an escrow account in an economic hardship situation. 

This is precisely what M & T has done and continued to do. 

On XX/XX/year>, I wrote to the CEO of M & T Bank, XXXX XXXX, after spending hours on the phone with other staff at the bank to no avail. I received no response from XXXX XXXX. 

On XX/XX/year>, I sent a followup email. Again, XXXX XXXX did not respond. 

I guess his time is too valuable and important to deal with such matters. I am a desperate and scared father with a XXXX  child under XXXX years on the way in just about two months, and I feel as though M & T is holding me hostage. I feel as though M & T Bank is preying on my family and me, that they have absolutely no concern for the well-being of their borrowers, and that they feel they can get away with this abuse because I am not financially equipped to do anything about it. 

I work full-time, I have two remote jobs, and I am constantly working in my free time to grow a bit of side income to make ends meet, but it never seems to be enough to keep up with the rising costs of living and my mortgage lender, M & T Bank , doesn't care at all. 

This is a predatory lending institution and I feel they must be held accountable. My heart breaks to think of all of the young families who have lost their homes because they were not the type to stand up and speak out, as I am, about M & T Bank 's heartless and soulless relationship with its borrowers. 

Thank you so much for your time and concern.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to formally request the immediate removal of a collection account from my credit report, which reflects an outstanding balance of {$3000.00} associated with a previous rental property. 
I understand that this account may have been reported in error or that there may have been circumstances that warrant reconsideration.

I believe this entry does not accurately represent my creditworthiness and is negatively impacting my financial situation. 
As a valued customer, I would greatly appreciate your cooperation in resolving this matter. 
I kindly ask that you investigate the circumstances surrounding this account, and if appropriate, take the necessary steps to remove it from my credit report. 
I am committed to resolving any outstanding debts and maintaining a positive credit history. 
I would be grateful for your prompt attention to this matter and request a written confirmation of the removal once it has been processed. 
Thank you for your understanding and cooperation. 
I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: VA

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-10-22 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-10-22 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have no clue what happened i just know they said they are closing my account for risk no explanation given. I told them they have to give me a reason by law and they still wouldn't. My account is in good standing and I have no clue why they would close my account. I have XXXX account XXXX joint and XXXX single account

Company response to consumer: Closed with non-monetary relief