vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-12-11 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: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccuracies and violations present in my credit report dated XX/XX/year>. Below is a detailed list of issues, including the violations of each account, the non-account-holding inquiries, and the actions I am requesting. 

Inaccurate Accounts and Violations : XXXX XXXX XXXX ( Account Number : XXXX ) Discrepancy : Account lists payments late by 30 days twice ; however, records show payments were brought current immediately without justification for derogatory remarks. Violation : XXXX late payments inaccurately, harming my credit score. Compensation Requested : {$2000.00} XXXX ( Account Number : XXXX ) Discrepancy : Account marked as Collection/Charge-off with a dispute comment that was unresolved. Violation : Reporting unresolved disputes without proper investigation and failing to update dispute resolution status. Compensation Requested : {$1000.00} XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Discrepancy : Balance reported as {$21000.00} in collections despite 100 % payment history stated in the report. Violation : Reporting inaccurate collection balances contrary to documented payment history. Compensation Requested : {$1000.00} Non-Account-Holding Inquiries : XXXX XXXX XXXX XXXX Date : XX/XX/year> Violation : Hard inquiry performed without a permissible purpose. Compensation Requested : {$1000.00} Summary of Violations : Inaccurate reporting of account statuses and payment histories. 

Failure to investigate and resolve disputes per the Fair Credit Reporting Act ( FCRA ). 

Unauthorized hard inquiries in violation of FCRA guidelines. 

Total Number of Violations : XXXX Requested Compensation Per Violation : VariesTotal Requested Compensation : {$5000.00} Action Requested : Immediate deletion of all accounts reporting inaccurate or unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Removal of unauthorized inquiries : XXXX XXXX XXXX XXXX  Financial compensation for each violation outlined above. 

Confirmation of actions taken to rectify these issues. 

Supporting Documents : Enclosed with this letter, I have included a copy of my credit report highlighting along with any relevant correspondence. 

Please investigate these matters and resolve them promptly. Under the FCRA, I expect a written response within 30 days of receipt of this letter. Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-11 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 accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NJ

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: LEXISNEXIS
State: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item XXXX XXXX Opened XX/XX/year> -Balance {$6500.00}. Please remove item from all three credit bureaus in accordance with the Fair Credit Reporting Act I hereby request that you investigate this account and remove from my reports. I understand that you are required to verify this account with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agency block account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On or about XX/XX/year> Vystar Credit Union merged with XXXX XXXX. At that time, I had an auto loan through XXXX XXXX. Subsequently, Vystar Credit union began reporting to the credit bureaus that I had an open auto loan with them that was open and active, at the same time XXXX XXXX was also reporting the same car loan to the credit bureaus as open and active. This resulted in my auto loan reflecting twice the actual balance. 

When I became aware of this issue, I contacted Vystar via telephone requesting they correct the inaccurate reporting. I informed them of an imminent large credit application I had coming so time was of the essence to correct the matter. I was assured they would contact me back within the week and get it corrected. I was also told, I could not speak with the credit reporting department, and that my only option was to wait for the customer service representative to call me back. 

Over a week passed and no response as well as no corrections to my credit report. I contacted Vystar again to follow-up. Once again, I was told the same thing, only this time I was told they would call me back by the end of the day. I also asked for a letter or email to send to my perspective creditors to confirm the inaccurate information was an error and Vystar was correcting it. I was told they could not do that, I just had to wait for a call back. Well, no surprise, that call back never happened. The inaccurate information is still reported on my credit reports. 

I ultimately completed the application for credit that I had informed Vystar was imminent. I received a higher rate due to my debt to income ratio directly due to Vystars inaccurate reporting. 

This behavior is completely unacceptable and has directly cost me thousands of dollars in additional interest charges directly as a result of their inaccurate reporting. 

This bank has a track record of sloppy compliance which has resulted in consumers paying the cost. I would be very concerned that other XXXX clients that were forced to become Vystar members are being similarly impacted. 

I will be contacting an attorney to see what my legal options are. But this is a matter that should be so easily remedied, Vystar just does not care.

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 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
My purse, wallet, and debit card ( along with other belongings ) were stolen XX/XX/year>. A police report was filed XXXX XXXX XXXX, case # XXXX. A Square Checking debit card ending in XXXX was in my wallet and was used to make the following fraudulent purchases : {$41.00} at XXXX 's on XXXX {$20.00} at XXXX 's on XXXX Attempt to charge {$1100.00} at XXXX XXXX XXXX on XXXX but declined due to insufficient funds {$130.00} at XXXX XXXX XXXX on XXXX {$210.00} at XXXX on XXXX {$31.00} at XXXX XXXX XXXX on XXXX {$23.00} at XXXX XXXX XXXX on XXXX {$37.00} at XXXX XXXX XXXX on XXXX {$26.00} at XXXX XXXX XXXX XXXX XXXX on XXXX {$100.00} at XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XXXX {$160.00} at XXXX XXXX XXXX on XXXX Please note these dates are what are reflected in my square checking account, but I believe they are the date the charges posted and not the date that they occurred. I noticed the above fraudulent activity XX/XX/year> and notified Square Checking/filed a dispute immediately. 
I've reached out to all of the above businesses asking for support in resolving these charges with no response from all but XXXX XXXX XXXX. 
After the report, the {$20.00} charge at XXXX 's was determined to be fraudulent and my account was refunded. A dispute has been filed for the {$210.00} Door Dash charge and is pending. Square responded to the rest of the charges saying the following : " After reviewing the information provided, we are unable to file the dispute due to the following : The Payments indicate a card was present at the time of the transaction. Your Square Debit Card was presented and authorized as a chip-based payment. Due to the findings during our investigation we found this to be a valid charge. '' Square is refusing to assist me further and I have not received a refund to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 2024-12-11 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: WI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 non-monetary relief
Consumer complaint received 2024-12-11 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:
To Whom It May Concern : You are breaking multiple laws in regard to my consumer report. 




The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.

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 2024-12-11 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: DE

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank someone hack my account charges and make big payment looking like it came out of my checking account but i did not make the payment

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 2024-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc.
State: GA

Complaint narrative:
Reporting Violates Section 1692g ( b ) of Fair Debt Collection Practices Act ( FDCPA ) of XXXX : I first received an email from XXXX XXXX of Kingston Data on XX/XX/XXXX requesting me to give them a call. I replied email same day asking the reason, and that I did not know who they were. 

On XX/XX/XXXX I received another email from XXXX XXXX of Kingston Data demanding payment of {$270.00} debt they claim I owe to XXXX. I replied same day disputing debt and requested verification of debt. XXXX XXXX replied same day stating " I have noted your file that you are disputing your balance placed here. I will place your account on hold while I investigate with my client. I will reach out to you as soon as I have a response ''. 

On XX/XX/XXXX I received alert that Kingston Data reported the collection activity to XXXX. I submitted the first dispute with XXXX same day, XX/XX/XXXX. Kingston Data did not provide me with the requested verification before reporting to XXXX. This is a direct violation of Section 1692g ( b ) of Fair Debt Collection Practices Act ( FDCPA ) of XXXX. The law states that once consumer disputes the debt, all collection and reporting activity must cease until consumer is provided the requested verification. On XX/XX/XXXX I received a letter from Kingston Data dated XX/XX/XXXX but post-marked XX/XX/XXXX ( letter and envelop attached ). The letter containing inflated invoices from XXXX arrived long after Kingston Data had violated my rights under the law. I intend to dispute the bill, however this XXXX entry in my credit file must be deleted as it violates the law. 

The Fair Debt Collection Practices Act ( FDCPA ) of XXXX Section 1692g ( b ) states : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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 submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief