vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my Equifax credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law.

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my Equifax credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower.

Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts.

Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information.

Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports.

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages.

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect Equifax to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments.

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws.

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter.

Thank you for addressing this matter with the urgency it deserves. I trust Equifax will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my Equifax credit file for my account with XXXX XXXX XXXX ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law.

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my Equifax credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower.

Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts.

Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information.

Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports.

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages.

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect Equifax to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments.

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws.

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter.

Thank you for addressing this matter with the urgency it deserves. I trust Equifax will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
In XX/XX/year>, I moved out of an apartment managed by XXXX XXXX XXXX XXXX XXXX XXXX. Shortly after, I was notified of a charge for carpet replacement due to alleged pet-related damage. I disputed this charge, as I had the carpets professionally cleaned twice before moving out, and my service-trained dog does not use the restroom indoors. 

Since XXXX, I made multiple requests to XXXX XXXX XXXX XXXX for proof of damages, including photos or invoices. No documentation was provided, and the charge was forwarded to XXXX, who declined to cover the carpet replacement due to insufficient proof. Despite this, the charge was sent to Hunter Warfield, a debt collection agency, which began contacting me regarding this alleged debt. 

On XX/XX/year>, I received email confirmation from XXXX XXXX XXXX XXXX that the debt was not valid. Then, on XX/XX/year>, they confirmed they had contacted Hunter Warfield, who assured them this collection account would be removed from my credit report.

However, as of XX/XX/year>, this debt is still falsely reported on my credit. Hunter Warfield has also continued to contact me multiple times, even after the account was disputed and despite the debt being removed by the original creditor. In particular, Hunter Warfield called me several times in a row across multiple days, despite the debt being in dispute.

I am seeking immediate confirmation of the removal of this collection account from my credit report and a cessation of all further contact by Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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. 

TRANSUNION REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I opened an account with SoFi about a month and half ago. I recently added my wife about 2.5 weeks ago. The second day after adding my wife we had a transaction for {$2.00} from the XXXX XXXX, we filed a dispute, and it was put back into our account. The next day or two another transaction for $ XXXX had happened. We replied to the text that it was not us and they blocked it. There was one other time as well that was blocked. On XXXX a transfer was made from our account for {$950.00} to XXXX XXXX. We have absolutely no affiliation with XXXX XXXX. As soon as we received a confirmation text of the transaction, we contacted SoFi to inform them when it was in pending. The submitted a dispute claim. The transaction has completed and still waiting for my money to be refunded. XXXX  XXXX XXXX would have put the money back in my account had this happened with them. I have bills I need to pay and are being delayed due to SoFi 's lack of processing. Now the lady I spoke with says can take 2 weeks. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX Bankruptcy Account Number : XXXX Inquiry XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Collection Service
State: NM

Complaint narrative:
I receive call after call after call these people harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In XX/XX/XXXX, I purchased a car and had a loan through XXXX XXXX. This car was totaled in XX/XX/XXXX. I reported this to my insurance and XXXX XXXX. I had GAP insurance included in my loan. I spoke to a XXXX XXXX representative, and they told me my loan would be completely taken care of via my GAP. XXXX XXXX then called in XXXX of XXXX, stating that I owed them {$650.00} for 2 months worth of missed payments for XXXX and XXXX of XXXX. When I spoke to their representative and explained that I had spoken to a different representative immediately after my accident and that they had told me my loan would be completely taken care of by my GAP, the new representative told me there was no notes in the record that I had reported the car totaled. This call came two weeks after I'd received a notification with a copy of the check that had been issued to XXXX XXXX services, showing XXXX had acknowledged receipt. I forwarded a copy of this letter to XXXX XXXX and the negative credit report was then removed from my record. 
While reviewing my credit report in XXXX of XXXX, I saw that the XXXX XXXX loan and been re-opened for being {$650.00} delinquent. I had previously disputed the information as being incorrect, in XXXX. It was not removed from my credit report, in XXXX and deemed valid, even after previously being closed. Now, as of XXXX, my credit report is showing that I currently have XXXX missed payments to XXXX XXXX for XXXX of XXXX through XXXX of XXXX. This has shown up on my credit report in the last XXXX  days. This is falsification of my credit and has impacted my score. This is why I have not contacted the company or the credit bureaus. I have previously attempted disputes and written letters, to no avail. Therefore, I am now submitting a formal complaint.

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 2024-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Company did not return money paid on the loan after the insurance company paid off the loan. In excess of XXXX dollars.

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 monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of { {$600.00} } or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of { {$600.00} }. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.

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

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Bankruptcy Account Number : XXXX Inquiry 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 2024-11-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXXXXXX XXXX ( original creditor : XXXX XXXX ) Account Number : XXXX Specific Issue : I noticed a discrepancy in the " Date Opened '' for this collection account across the credit reporting agencies. 
I

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 2024-11-11 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: FL

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

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 2024-11-11 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:
I was XXXX  at the time of all transactions. 
Length of XXXX  XXXX ( XXXX yrs ) Please see supporting documents My consumer credit report has details that is the result of identity theft. I didn't give written permission or directions for identification transactions to be put on my consumer credit report. I'm asking that this information be blocked and that it be removed. My request to block isn't being made in error, and it isn't being made because I lied about a fact that is important to the request to block the identified transactions. The recognized transactions have nothing to do with any transactions I, as a consumer, have made.

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 2024-11-11 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: FL

Complaint narrative:
I was XXXX  at the time of all transactions. 

My consumer credit report has details that is the result of identity theft. I didn't give written permission or directions for identification transactions to be put on my consumer credit report. I'm asking that this information be blocked and that it be removed. My request to block isn't being made in error, and it isn't being made because I lied about a fact that is important to the request to block the identified transactions. The recognized transactions have nothing to do with any transactions I, as a consumer, have made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XXXX of last year, I entered into an agreement to finance a vehicle from a small dealership in XXXX XXXX, New Jersey. After several weeks of negotiation, I decided to cancel the purchase. Despite canceling the agreement, the dealership received payment for the car, which I never received. 

I spoke directly with the owner of the dealership, who assured me that I would receive a refund for the payment. However, it seems the dealership never processed the refund, and I am still being charged for the vehicle, which I no longer wish to purchase. 

As a result, this situation has severely impacted my credit score, and I believe this may be an instance of fraud or identity theft. The charge is incorrect and does not reflect the canceled transaction. I am being unfairly held liable for a product I did not receive and did not intend to purchase. 

I put the name 's creditor that appears in my credit report. 

Creditor Name : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX of last year, I entered into an agreement to finance a vehicle from a small dealership in XXXX XXXX, New Jersey. After several weeks of negotiation, I decided to cancel the purchase. Despite canceling the agreement, the dealership received payment for the car, which I never received. 

I spoke directly with the owner of the dealership, who assured me that I would receive a refund for the payment. However, it seems the dealership never processed the refund, and I am still being charged for the vehicle, which I no longer wish to purchase. 

As a result, this situation has severely impacted my credit score, and I believe this may be an instance of fraud or identity theft. The charge is incorrect and does not reflect the canceled transaction. I am being unfairly held liable for a product I did not receive and did not intend to purchase. 

I put the name 's creditor that appears in my credit report. 

Creditor Name : XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation