vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: LA

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 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 2024-10-17 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: CA

Complaint narrative:
I reviewed my credit report and discovered inconsistencies and inaccurate late payment reports on my accounts with XXXX  XXXX, XXXX XXXX, and XXXX XXXX ( XXXX XXXX  ) across the three major credit bureaus : XXXX, TransUnion, and XXXX. These inaccuracies have negatively impacted my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). I have previously requested these corrections in other manners to no avail. 

The specific issues are as follows : Inconsistent Reporting of Late Payments : My XXXX XXXX account shows 90, 60, and 30-day late payments on TransUnion. This discrepancy is a violation of FCRA 623, which requires accurate and uniform reporting across all credit bureaus. Thus should be removed Failure to Update Charge-off Status : My XXXX XXXX  and XXXX XXXX ( XXXX XXXX  ) accounts were charged off, but the status has not been updated correctly. If the accounts have been settled or paid, the credit bureaus are required to reflect that, but this has not occurred. This is in violation of FCRA 623, which mandates creditors to report up-to-date and accurate information. 

Inaccurate or Unverified Late Payments : The late payments reported on my XXXX XXXX  account are inaccurate, as I had previously disputed the charge-off and related late payments. The credit bureaus have not properly verified this information, violating FCRA 611, which gives consumers the right to dispute inaccurate information and mandates credit bureaus to verify or remove disputed information within 30 days. 

Failure to Resolve Dispute : My XXXX XXXX ( XXXX XXXX  ) account was marked as " dispute resolved, customer disagrees, '' but the credit report still reflects a charge-off with no proper resolution. This indicates that the dispute was not handled fairly, as required by FCRA 611. 

Multiple Hard Inquiries : My TransUnion report shows multiple hard inquiries within a short period. These inquiries were unauthorized, this would be a violation of FCRA 604, which restricts the permissible reasons for hard inquiries.

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 2024-10-17 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: LA

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 2024-10-17 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: NC

Complaint narrative:
I found issues on my credit report that seem incorrect. I'm upset and believe your agency hasn't ensured the reported information is accurate as required.

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 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a fraud amount take out of my account on XX/XX/XXXX. The amount of {$83.00} was taking out unauthorized at non Chase bank. I filled a claim with the bank for fraud two weeks ago. The fraud took place after i pumped gas from a gas station by my house. They told me they looked into it and told me that they couldnt refund my money due to my card being present in time of the transaction. But my card was not present and was with me the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-17 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: CA

Complaint narrative:
I reviewed my credit report and discovered inconsistencies and inaccurate late payment reports on my accounts with XXXX  XXXX, XXXX XXXX, and XXXX XXXX ( XXXX XXXX  ) across the three major credit bureaus : XXXX, XXXX, and Equifax. These inaccuracies have negatively impacted my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). I have previously requested these corrections in other manners to no avail. 

The specific issues are as follows : Inconsistent Reporting of Late Payments : My XXXX  XXXX account shows 90, 60, and 30-day late payments on XXXX. This discrepancy is a violation of FCRA 623, which requires accurate and uniform reporting across all credit bureaus. Thus should be removed Failure to Update Charge-off Status : My XXXX XXXX  and XXXX XXXX ( XXXX XXXX  ) accounts were charged off, but the status has not been updated correctly. If the accounts have been settled or paid, the credit bureaus are required to reflect that, but this has not occurred. This is in violation of FCRA 623, which mandates creditors to report up-to-date and accurate information. 

Inaccurate or Unverified Late Payments : The late payments reported on my XXXX XXXX account are inaccurate, as I had previously disputed the charge-off and related late payments. The credit bureaus have not properly verified this information, violating FCRA 611, which gives consumers the right to dispute inaccurate information and mandates credit bureaus to verify or remove disputed information within 30 days. 

Failure to Resolve Dispute : My XXXX XXXX ( XXXX XXXX  ) account was marked as " dispute resolved, customer disagrees, '' but the credit report still reflects a charge-off with no proper resolution. This indicates that the dispute was not handled fairly, as required by FCRA 611. 

Multiple Hard Inquiries : My XXXX report shows multiple hard inquiries within a short period. These inquiries were unauthorized, this would be a violation of FCRA 604, which restricts the permissible reasons for hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: CA

Complaint narrative:
I reviewed my credit report and discovered inconsistencies and inaccurate late payment reports on my accounts with XXXX  XXXX, XXXX XXXX, and XXXX XXXX ( XXXX XXXX  ) across the three major credit bureaus : Experian, XXXX, and XXXX. These inaccuracies have negatively impacted my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). I have previously requested these corrections in other manners to no avail. 

The specific issues are as follows : Inconsistent Reporting of Late Payments : My XXXX  XXXX account shows 90, 60, and 30-day late payments on XXXX. This discrepancy is a violation of FCRA 623, which requires accurate and uniform reporting across all credit bureaus. Thus should be removed Failure to Update Charge-off Status : My XXXX XXXX  and XXXX XXXX ( XXXX XXXX  ) accounts were charged off, but the status has not been updated correctly. If the accounts have been settled or paid, the credit bureaus are required to reflect that, but this has not occurred. This is in violation of FCRA 623, which mandates creditors to report up-to-date and accurate information. 

Inaccurate or Unverified Late Payments : The late payments reported on my XXXX XXXX  account are inaccurate, as I had previously disputed the charge-off and related late payments. The credit bureaus have not properly verified this information, violating FCRA 611, which gives consumers the right to dispute inaccurate information and mandates credit bureaus to verify or remove disputed information within 30 days. 

Failure to Resolve Dispute : My XXXX XXXX ( XXXX XXXX  ) account was marked as " dispute resolved, customer disagrees, '' but the credit report still reflects a charge-off with no proper resolution. This indicates that the dispute was not handled fairly, as required by FCRA 611. 

Multiple Hard Inquiries : My XXXX report shows multiple hard inquiries within a short period. These inquiries were unauthorized, this would be a violation of FCRA 604, which restricts the permissible reasons for hard inquiries.

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 2024-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
I have called to reach out about this affecting my credit report. They give me a phone number to another company and said they cant work with me. I call the other company they never answer. 

I dont even have this said telecommunication company. Ive had the same one for many years and Ive never worked with this agency before nor do they have any of my authorization of contact me or have any of my information, especially if they cant even help me when I call them over the phone. 


They need to remove this from my report immediately before i pursue other legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: NC

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 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 2024-10-17 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:
" 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 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 2024-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against RoundPoint Mortgage Servicing Corporation due to a series of ongoing issues since my mortgage was transferred to them. Despite making all my payments on time and without issue for years, I have encountered several problems with RoundPoints handling of my mortgage payments, which have now escalated to an unjust late fee.

The issue began when RoundPoint charged me fees without any clear reason. Most recently, they returned a payment check I mailed to the address I have been using for all prior paymentsan address that had been accepted without issue until now. This time, however, they rejected my payment, returned it to the bank, and charged me a late fee. I have also made further payments to Roundpoint Mortgage, however payments are not being appropriately credited to my account.

I provided RoundPoint with clear proof, including a copy of my check and bank records, demonstrating that my payment was delivered on time. After numerous calls to their customer service, I have received inconsistent and conflicting information. Despite my providing all necessary documentation, RoundPoint has failed to acknowledge or resolve the issue. 

I am formally requesting that the late fee be removed from my account, as this is a result of their mismanagement and not due to any negligence on my part. Based on their many negative reviews and a dismal rating of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX website, it is evident that I am not alone in experiencing such problems. 

This pattern of poor service and disregard for customers concerns reflects badly on RoundPoint, and I urge the Consumer Financial Protection Bureau to intervene and help address this matter. 

I appreciate your assistance in resolving this issue. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: GA

Complaint narrative:
I filed a dispute with all three credit bureaus and then filed a debt validation claim under 15 U.S. Code 1692g to the company XXXX XXXX XXXXXXXX on XX/XX/year>. XXXXXXXX XXXX XXXXXXXX failed to provide the requested information.

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 2024-10-17 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: NC

Complaint narrative:
I found issues on my credit report that seem incorrect. I'm upset and believe your agency hasn't ensured the reported information is accurate as required

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 2024-10-17 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
This account was charged off in XX/XX/year>. Since then the account has been reportedly updated as charged off every month. This is an update in payment history. A charged off account should not include an active Payment history. This inaccurate information Falsely manipulates the Statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : EXETER FINANCE LLCXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: Experian Information Solutions 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 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 2024-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was a Tenant. 
I cancelled Lease. Offered to pay actual " owed '' amount. 
Creditor persisted to seek the wrong amount, then sent to Collections ( National Credit Systems ).

After continuing wrongful credit reporting, and after my being denied essential credit, the Collector made an offer to Settle. The offer was, in fact, the correct amount I originally offered upon Original Lease cancellation. ( Creditor actually relet the Premises prior to my Commencement Date at no loss to Creditor ).

My response to Collector 's settlement was to accept the amount, but, to require Collector to remove the collection from my credit report, & to NOT show as " Settled, Negotiated, Late, or Collected, Delinquent or Charged-Off '' - or reported in any manner deemed as a derogatory mark on credit. 
I sent this response to Creditors Settlement Offer in a Notice to Collector-Certified Mail. They signed receipt of my response XX/XX/year>. NO response to date.

Company response to consumer: Closed with explanation