vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: SC

Complaint narrative:
My account 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.

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 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 2024-12-20 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: NE

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION
State: MT

Complaint narrative:
Lobel financial is garnishing my checks and I never had chance to dispute and they sent the notice to an old address and the debt is over 4 years and I believe it around XXXX dollars. I need help fighting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Data Breach and Violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Dear to who it may concern I am writing to file a formal complaint regarding a massive data breach that has affected Billions of individuals, including myself. The breach, which reportedly involves the exposure of sensitive personal data of XXXX XXXX people, has led to widespread identity theft and fraudulent activity. I believe that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, has been violated in my case.

Details of the Breach and Impact : I have become aware that my personal information, including my Social Security Number, address, date of birth, and financial details, was compromised as a result of the National Public Data breach ( NPD ). Since the breach occurred, I have noticed unauthorized accounts opened in my name, as well as incorrect information being reported on my credit file. 

I have notified the credit bureaus ( XXXX, XXXX, and XXXX ) of the fraudulent activity, but the issue persists, and inaccurate information remains on my credit report. As of today, I have not received a timely or satisfactory resolution regarding the correction of this inaccurate information, nor have I been provided with the protections guaranteed under FCRA 15 USC 1681, which mandates that consumer reporting agencies must delete inaccurate or incomplete information on a consumers credit report.

Violation of FCRA ( 15 USC 1681 ) : Under the Fair Credit Reporting Act ( 15 USC 1681 ), credit reporting agencies and users of consumer reports are required to take reasonable steps to ensure the accuracy of information in consumers reports. Specifically, Section 1681i outlines that consumers have the right to dispute any information they believe is incorrect or incomplete. Despite my efforts to notify the bureaus and request a correction, I am still facing the consequences of this data breach, which has impacted my creditworthiness and financial stability.

Additionally, Section 1681c-2 mandates that consumers be informed when negative information is reported on their credit file due to fraud. I have not received adequate communication or updates regarding the status of my disputes or any steps taken by the bureaus to investigate the fraudulent activity.

Request for Resolution : I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my credit file is corrected in compliance with the Fair Credit Reporting Act ( 15 USC 1681 ). Specifically, I am requesting :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Data Breach and Violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Dear to who it may concern I am writing to file a formal complaint regarding a massive data breach that has affected Billions of individuals, including myself. The breach, which reportedly involves the exposure of sensitive personal data of XXXX XXXX people, has led to widespread identity theft and fraudulent activity. I believe that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, has been violated in my case. 

Details of the Breach and Impact : I have become aware that my personal information, including my Social Security Number, address, date of birth, and financial details, was compromised as a result of the National Public Data breach ( NPD ). Since the breach occurred, I have noticed unauthorized accounts opened in my name, as well as incorrect information being reported on my credit file. 

I have notified the credit bureaus ( XXXX, XXXX, and XXXX ) of the fraudulent activity, but the issue persists, and inaccurate information remains on my credit report. As of today, I have not received a timely or satisfactory resolution regarding the correction of this inaccurate information, nor have I been provided with the protections guaranteed under FCRA 15 USC 1681, which mandates that consumer reporting agencies must delete inaccurate or incomplete information on a consumers credit report.

Violation of FCRA ( 15 USC 1681 ) : Under the Fair Credit Reporting Act ( 15 USC 1681 ), credit reporting agencies and users of consumer reports are required to take reasonable steps to ensure the accuracy of information in consumers reports. Specifically, Section 1681i outlines that consumers have the right to dispute any information they believe is incorrect or incomplete. Despite my efforts to notify the bureaus and request a correction, I am still facing the consequences of this data breach, which has impacted my creditworthiness and financial stability.

Additionally, Section 1681c-2 mandates that consumers be informed when negative information is reported on their credit file due to fraud. I have not received adequate communication or updates regarding the status of my disputes or any steps taken by the bureaus to investigate the fraudulent activity. 

Request for Resolution : I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my credit file is corrected in compliance with the Fair Credit Reporting Act ( 15 USC 1681 ). Specifically, I am requesting :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: DE

Complaint narrative:
This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I found discrepancies that came out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but nothing changed. The inaccurate accounts stayed there, and now Im left feeling helpless. Please carefully review the documents Ive sent so I can finally stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MS

Complaint narrative:
i review my credit report on TransUnion and i have unauthorized inquiries that i did not make they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information Please correct the items below : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
I attempted to send my XXXX  mother money in XXXX. Shes been having a hard XXXX so she hasnt been able to work. She has XXXX so Ive had to send more money than usual for Doctors bills and etc. I can show proof from the hospital in XXXX. Same amounts that I have sent. Tonight I attempted to send her money so she could XXXX shop tomorrow for her and her other son and Remitly suspended my and refused to provide me with an explanation even insinuating that I was doing something illegal on their platform. Im HUGELY offended and would like to pursue this further legally for discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just found out yesterday ( XX/XX/XXXX ), that in XXXX Equifax had a data breach and my information was exposed and put out there on the internet. On the internet it states that the XXXX XXXX applies to me stating that the statute of limitation for fraud begins when the victim ( meaning me ), discovers the fraud, not when the fraud occurs. I want to sue Equifax for that data breach that exposed my information and therefore the public had my personal information as well as the dark web when this breach occurred and no attempt was made by Equifax to contact me and tell about this incident, and I want to sue them for it. 
Also on my current credit report there have been unauthorized hard inquiries made into my credit report by the credit company XXXX XXXX XXXX without my permission, by a XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX without my permission to various financial companies without my authorization ( permission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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

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 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXXXXXX veteran, proof attached as a benefit letter from the VA, and I recently discovered that there are accounts on my credit report that have been sent to collections. Due to my XXXX, I am unable to afford payments on these accounts. I have made attempts to address this issue but have been unsuccessful in finding a resolution that fits my financial situation. As a XXXX veteran, I believe there may be options for assistance or forgiveness, and I am seeking help to resolve this matter. 

On XXXX XXXX XXXX, I discovered that LVNV Funding LLC had reported an outstanding balance of {$910.00} to collections. 
I contacted the creditor in XXXX to request a payment plan or discuss other options, but they were unable to offer a solution that was affordable based on my current income. 

On XXXX XXXX XXXX, I discovered that XXXX XXXX XXXX had reported an outstanding balance of {$840.00} to collections. This is a new discovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In reviewing my recent credit report, I came across several accounts that I believe were added without my consent. Please take action to remove and block these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Has an incorrect address & thinks my mortgage is closed or never happened. 

As a result other companies are unable to pull my credit file because the address is incorrect, and the mortgage isnt reflected so my credit isnt correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
I am writing again to formally dispute the reporting of a debt listed on my credit report, associated with the account number XXXX. This collection account is inaccurately reported, and I urge immediate action on this matter. Details of the Disputed Item : Account Number : XXXX Amount : {$130.00} Date Assigned : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Nature of the Inaccuracy : I previously disputed this account under different name and collection agency with your bureau in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and it was removed every time. The evidence confirming the delivery of these communications has been attached. Despite this, the account reappeared on my credit report under another collection agency. Moreover, this collection account has been successfully removed from my reports by both XXXX and XXXX following my disputes previously and this time is not even existed in other major bureau. I have enclosed their responses for your reference. Enclosures for Your Reference : 1. Copies of correspondence from XXXX and XXXX confirming the removal of the collection. 2. Copy of my previous dispute letter to Equifax and evidence of its delivery. Legal Obligations : According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes and respond within 30 days of receiving them. However, I have yet to receive any verification or documentation from Equifax regarding this matter. Request : Given the circumstances and the significant impact this erroneous account has on my credit standing, I request its immediate removal from my Equifax credit report. Please respond promptly within the statutory period of 30 days as required by the FCRA. I appreciate your prompt attention to this urgent matter and look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief