vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
Subject : Notice of Dispute Violation of 15 U.S. Code 1681n I am writing to formally notify you of my dispute regarding your failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n, which governs willful noncompliance.

Upon review of my Credit report, I have identified, inaccurate information, unauthorized access, failure to correct inaccuracies, or other noncompliance ]. This violation of the FCRA has caused me financial damage and emotional distress Details of the Violation : XXXX : Reporting multiple XXXX  Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies and Date last active is reporting different XXXX : Reporting multiple XXXX Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different Under 15 U.S. Code 1681n, willful violations of the FCRA entitle an affected consumer to statutory damages, actual damages, punitive damages, and reasonable attorneys fees and costs. I expect this matter to be addressed immediately to avoid further legal escalation.

Requested Resolution : DELETE & BLOCK Please respond to this notice in writing within [ 30 days ] as required by the FCRA, confirming your receipt of this letter and outlining the actions you intend to take to resolve this matter.

If I do not receive a satisfactory resolution within the stipulated time frame, I will have no choice but to seek further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

I look forward to your prompt attention to this matter. Please contact me at [ your phone number ] or [ your email address ] if you require additional information. 

Sincerely, XXXX XXXX ATTACHED is a Copy of the 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 2025-01-02 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: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccuracies on my credit reports maintained by Experian and XXXX. Two accountsone with XXXX XXXX and another with XXXXhave been settled, paid in full, and are to be deleted from my credit reports. 

While XXXX has correctly deleted these accounts from my credit report, Experian and XXXX continue to inaccurately reflect these accounts. This inconsistency across credit bureaus has caused undue frustration and harm to my creditworthiness. 

To address these inaccuracies, I submitted disputes to both Experian and XXXX regarding the XXXX XXXXXXXX account and the XXXX account on XX/XX/year>, and XX/XX/year>, respectively. Despite providing all necessary documentation to substantiate my claims, both bureaus denied my disputes and failed to make the required corrections to reflect the deletion of these accounts. 

The lack of consistency among the three major credit bureaus is concerning and undermines the integrity of the credit reporting system. As a consumer, I rely on the credit bureaus to provide accurate and updated information, and this failure to do so is unacceptable. 

I respectfully request the CFPB 's assistance in resolving this matter by ensuring that Experian and XXXX update my credit reports to accurately reflect the deletion of the XXXX XXXXXXXX and XXXX accounts , consistent with XXXXXXXX XXXX reporting. 

Thank you for your time and attention to this matter. I am happy to provide any additional documentation or information needed to assist with your investigation. 

Sincerely, 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 2025-01-02 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: CT

Complaint narrative:
Dear Transunion Reporting Agency Upon reviewing my consumer report, I noticed that it inaccurately reflects late payments on the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This reporting is incorrect, as I have consistently maintained on-time payments for this account. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The inclusion of late payments on my report violates this provision by inaccurately representing my payment history. 

Inaccurate information on a consumer report not only misrepresents my creditworthiness but also unfairly harms my ability to access financial opportunities. These errors violate my rights under the FCRA and must be corrected. 

Reasons Why This Reporting is Inaccurate : 1. I have never missed a payment on this account.

2. The creditor has not provided me with any evidence to substantiate these alleged late payments.

3. The erroneous reporting suggests a failure to follow the FCRAs requirement to ensure maximum possible accuracy.

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 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Hello, I was with XXXX up until XXXX of XXXX. Fay servicing took over my mortgage and I never had an issue with XXXX. I had one late payment and when I called them, they simply took payment over the phone. 

In XXXX I was busy renovating my property because my previous tenant destroyed the home my clogging my pipes with rags. There was flooding and i had to take care of this to be able to rent it back out. I accidently missed the payment. I thought I had made an auto transfer from my XXXX  to my XXXX XXXXccount and I never completed it. I tried for over a week to reset my password online to make a payment but couldn't. No matter how many times I reset my password I couldnt get online and access my online to make a payment. I got a call from Fay servicing telling me that I was 45 days late and I apologized for being late and said i had treid to make payments online but it was letting me and end of year was just so hectic, but to please take payment from XXXX account. The lady from Fay said that the online was blocked and she couldn't take my payment over the phone either because after 30 days late they start the foreclosure process.She said she didnt have the amount that had to be paid to reinstate the loan. I then got the flu followed by my daughter and another week passed I called Fay and they said i am 50 days late and to reinstate my loan i had to pay {$20000.00}. I am now getting charged {$15000.00} in fees for being late 50 days which would have been less had they allowed me to pay earlier. I almost fainted and i got very upset with the respresentative calling this an abusive dirty tactic to try to get small business owners to lose their property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
Subject : Request for Removal of Inaccurate Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request the removal of the account listed above from my credit report due to inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit report, I found the following concerning issues with the account : Inaccurate Status Reporting : The account is currently listed as " charged off, '' which is misleading. If the status of this account does not accurately reflect my payment history or any settlements made, this is a violation of the FCRA 's requirement for accurate reporting. 
Incorrect Balance : Your records indicate a balance of {$33000.00} as of XX/XX/XXXX, which does not accurately reflect my payment history. If there have been payments made that are not being reported, this misrepresentation could harm my creditworthiness. 
Failure to Update Information : The status was updated in XX/XX/XXXX, and the balance was updated later in XX/XX/XXXX. This delay in reporting timely updates violates the FCRA guidelines, which mandates that creditors must provide accurate and promptly updated information. 
Excessive Reporting Duration : As this account is set to remain on record until XX/XX/XXXX, I would like to point out that negative information should only remain on a credit report for a maximum of seven years from the date of first delinquency. If the account was charged off in XXXX, it should not be reported beyond the seven-year limit. 
Given these discrepancies, I request that you investigate this account and remove it from my credit report. Should you find that these inaccuracies are indeed present, I expect a prompt correction and written confirmation of the removal. 
Please respond to this request within 30 days to comply with the regulations set forth by the FCRA. I appreciate your immediate attention to this matter and look forward to your prompt response. 
Thank you for your cooperation.

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 2025-01-02 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: FL

Complaint narrative:
" 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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/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 2025-01-02 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Its been frustrating dealing with the consequences of unauthorized inquiries from your company on my credit report. Theyre dragging down my credit score and affecting my financial opportunities.

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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The banks overdraft fees are abusive, in one case they charged me {$35.00} overdraft fee because of a {$1.00} transaction from XXXX. I contacted them, and was transferred to their collections department, and was given the option of paying or having my credit resumed.

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have received two text messages stating the following : Message one TSI a debt collector, will send you account updates regarding your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX text STOP to opt out. 

Message two TSI, a debt Collector is here to help. Call XXXX so we can discuss options to resolve your XXXXXXXX XXXX  Text STOP to opt-out. XXXX XXXX XXXX XXXX XXXX I am not aware of any outstanding debt that I may have that would be in the hands of a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-02 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-02 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Ac
t ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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