vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: WI

Complaint narrative:
I filed a lemon law case against XXXX XXXX XXXX XX/XX/XXXX because my car is a lemon and is a very dangerous vehicle. When I filed that case they started to retaliate against me by not posting my payments to my account, reporting false information to the credit bureaus and denying me service on the vehicle. I attempted to correct the miss allocation of payments to the account with a supervisor who admitted the late payment reported in XX/XX/XXXX was inaccurate and promised to remove this from all credit bureaus. Initially it was removed, but they placed it right back to prevent me from being able to trade in the car as it took XXXX points off of my credit score instantly! I attempted XXXX weeks ago to have this resolved by another XXXX, who stated she would call me back and get it updated. No response, no update! I am attaching information supporting my position. I have XXXX months worth of statements showing payments were made timely and deducted from my checking account, but I am focusing on the payment referral arrangement which I initiated with XXXX For XXXX month of XX/XX/XXXX. If they didnt falsify service records during the lemon law arbitration case, I would have won the case and this would be a non-issue. I am attaching the payment deferral agreement which shows payment was due XXXX, the 10 day grace period contract, executed by myself in the dealership, their policy on not Reporting negative information when payment referrals are requested in a couple other supporting documentation. 

They also have refrained from reporting all payments made to the credit bureaus. There are months where I made {$3000.00} worth of payments and theyve reported XXXX. I cant confirm that my payoff balance is even correct because of all the retaliatory actions taken against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
All three Buereaus are reporting different number of accounts, open or closed, none of them are accurate. This must be corrected. 15 usc 1692. 15 usc 1681a, I have the right to dispute anything inaccurate. This has affected me a lot. I cant get a car or place to live, from the innacurate reporting. XXXX now says I dont have enough credit to be reported which is false XXXX and XXXX all have different amounts and accounts being reported as opens or closed. Some say open but are really closed. I also never received XXXX or XXXX forms from the companies. They charged off some accounts, which is a tax write off. They get paid and are still reporting fraud. Thank you. My names XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
All three Buereaus are reporting different number of accounts, open or closed, none of them are accurate. This must be corrected. 15 usc 1692. 15 usc 1681a, I have the right to dispute anything inaccurate. This has affected me a lot. I cant get a car or place to live, from the innacurate reporting. XXXX now says I dont have enough credit to be reported which is false XXXX and XXXX all have different amounts and accounts being reported as opens or closed. Some say open but are really closed. I also never received XXXX or XXXX forms from the companies. They charged off some accounts, which is a tax write off. They get paid and are still reporting fraud. Thank you. My names XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
I am in a current XXXX XXXX XXXX Fay servicing has my current mortgage. I reached out to them for 30 day payoff of mortgage and verification of mortgage with them. The refused to talk to me without letter of authorization from my attorney. My attorney text to them the letter of authorization they wanted on XXXX. I called on XXXX and was told they dud not receive such letter. On XXXX my attorney emailed letter of authorization, 30 day payoff request, verification of mortgage request. I was told once they acknowledge receipt of request it takes XXXX business days to put letter of authorization on my file. It will take an additional XXXX business days to get 30 day payoff. The refinance of my mortgage is time sensitive as to not have to start process all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-22 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: NY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-22 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: CA

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. 

Account Name : DEPTEDNELNET Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2024-11-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My PenFed CD account matured on XXXX XXXX, and i requested prior to maturing, that funds be disbursed by PenFed check. As of today, XXXX of XXXX, I have not received a check, per PenFed it was 'mailed out ' day after maturity, address verified. Yesterday morning, Penfed agent agreed to put stop payment on check, and make the funds available in my PenFed savings account, and transfer to my external. 
As of this hour XXXX CT, i have no access to the funds,18 days after the account matured.

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 2024-11-22 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: TX

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
1 ) ACCOUNT IS FRAUD AND IDENTITY THEFT, REPORTED TO LAW ENFORCEMENT AND MUST BE REMOVED FROM MY CREDIT BUREAUS AN PERSONAL INFORMATION 2 ) ACCOUNT IS NOT MINE, I DID NOT PARTICPATE IN NOR BENEFIT FROM 3 ) I DEMAND THE ACCOUNT BE REMOVED IMMEDIATELY FROM MY PERSONAL INFORMATION AND ALL CREDIT REPORTING AGENCIES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: FL

Complaint narrative:
This company will call or text at any time and day of the week even after I have repeatedly told them to put me on no call list of to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
I recently reviewed my credit report noticed a fraudulent account on my report. Please remove this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am trying to get my name of of the mortgage because I divorced in XXXX and my ex has been trying to get the mortgage assumed since XXXX to get my name removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX XX/XX/year> Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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 am filing this second complaint regarding Experians continued reporting of an unverifiable and inaccurate collection account ( XXXXXXXX XXXX XXXX XXXX  ) showing of {$3500.00} debt owed of on my credit report. Despite my prior complaint, Experians reinvestigation failed to resolve the dispute or provide evidence supporting the validity of this debt. 

Furthermore, during the dispute process, Experian added unverified addresses and employment to my credit report that were not previously listed prior to the complaint against them. These addresses are inaccurate and irrelevant to my credit history. 

Experians actions represent multiple violations of the Fair Credit Reporting Act ( FCRA ), for which I am seeking statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n ( a ).

Violations of the FCRA by Experian 1. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ) o Experian failed to obtain proper documentation from Fair Collections & Outsourcing to validate the debt, such as : The original agreement showing my obligation with my signature showing a contract between myself and XXXX XXXX XXXX 
o Experians reliance on vague responses from the furnisher without reviewing adequate evidence violates FCRA 611 ( a ).

2. Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) o Experian continues to report inaccurate and incomplete information, including : Misleading terms ( " 1 Month '' ), inconsistent with typical collections practices. 
Missing and inconsistent payment history. 
o These inaccuracies violate 15 U.S.C. 1681e ( b ).

3. Failure to Delete Unverifiable Information ( FCRA 611 ( a ) ( 5 ) ) o XXXX XXXX XXXX XXXX  did not provide sufficient evidence during the reinvestigation to verify the accuracy or validity of the account. Under 15 U.S.C. 1681i ( a ) ( 5 ), Experian is required to delete such information.

4. Failure to Provide a Clear Reinvestigation Outcome ( FCRA 611 ( a ) ( 7 ) ) o Experians vague response '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' fails to meet the FCRAs requirement to provide a detailed explanation of the reinvestigation process and results ( 15 U.S.C. 1681i ( a ) ( 7 ) ).

The original credit report that was pulled, the dispute update and the Letter of dispute that was sent for a second time has been attached.

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 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
My Mortgage is exempt from state property tax but I have to pay local school tax which is $ XXXX year my insurance is $ {$990.00} a year I have been paying {$2600.00} each month now they said my XXXX  is {$1700.00} in the red and they said my new payment is {$2800.00} monthly last year I paid my school tax out of my pocket and got no explanation for the bill over payment I dont trust this company at all account number with Carrington Mortgage is XXXX XXXX they refused to give me a explanation why they are doing this, Im XXXX XXXX XXXX is XXXX XXXX XXXX XXXX Md XXXX phone XXXX email, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-22 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: GA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX XX/XX/year> Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  ACCOUNT # XXXX, open date XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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