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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I got a personal devt consolidation loan from Santander and made monthly payments of approximately XXXX per month on XXXX. In the XXXX of XXXX, I made a large payment to pay off my loan early. This large payment covered all the principal of the loan but a small amount was remaining on the balance for accrued interest from the last month. Then I called Santander several times for the following reasons : XXXX ) their automated system issued a statement showing a remaining balance of XXXX but amount due XXXX ( the typical monthly instalment ). I called to check if this was correct. They assured me that the account was on AutoPay and that AutoPay would only charge my checking account for the remaining balance not the full monthly payment. They said I do not need to take any other action. 
XXXX ) XXXX months later I got a notification from credit monitoring stating that there was a missed payment reported by Santander. My account was on AutoPay but they did not take the XXXX. I called them and said that I had the loan on Autopay and I think their automated system had a technical bug where my large payment may have turned it off ( although on my online account it still showed AutoPay was turned ON ). I asked them to process the payment for the full remaining balance minus late fees. They had added late fees to the most recent statement but I told them the late payment was due to their system malfunction so I will not pay that. They agreed and processed the balance. Then they sent me a letter stating my loan was fully paid.

3 ) I also asked them to fix the credit reports to remove the late payment because their system malfunction caused it and it was now hurting my credit score. They told me to file disputes with the reporting agencies, which I did. But my reports are still showing late payments.

4 ) I was applying for a mortgage and the late paument was hurting my score and impacting the mortgage rates offered. I asked Santander for a letter where they admit to their AutoPay malfunctioning and that the late payment was not my fault. They said they would send me this letter so I could give it to the mortgage brokers to improve my offered rates. Santander did send me a letter but it did not admit to any system malfunction, it merely listed the dates that I had missed payments and when the account was paid off. This just made it look like I missed payments and it did not even mention their AutoPay.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
we issued a check to our vendor XXXX to XXXX. somehow a person took the check and deposited it into their personal account Capital One Bank .... we filed a claim with our bank XXXX  XXXX XXXX and are hoping they can return funds but its not guaranteed.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One NA, PARENT COMPANY, and Subsidiaries ( Capital One Auto Finance ) are trying to collect on an alleged debt despite creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER XXXX CFR XXXX IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. Also, According to the IRS, a charge-off is a type of certificate of indebtedness, which means it is treated as income and can be removed from records. I have aslo sent a disput letter XXXX with the FTC report and Affidavit to Capital One, according to FCRA XXXX Capital One had XXXX business days after receipt to cease reporting of any information identified in the subject identity theft report as resulting from identity theft. Which, Capital One has failed yo comply. I have submitted a XXXX, XXXX XXXX, and XXXX B to the IRS since Capital One has not provided me with copies of the mentioned forms. FTC fraud report ( XXXX ) was filed on behalf of the consumer. Consumer requests Capital One provide me with copies of my XXXX, XXXX XXXX, and XXXX XXXX I am also requesting that Capital One Provide a CERTFIED copy by their CPA of their XXXX accounting records. I have also filed forms XXXX and XXXX treasury XXXX to audit consumers ' accounts. XXXX, XXXX, and XXXX has a duty to report inaccurate information that they have failed to uphold. Capital One, XXXX, XXXX, and XXXX have caused me financial and emotional distress from their unjust practices. I would like all reporting to Cease and Desist : to immediately stop all collection efforts and information sharing related to this account. I would then like the status of Account # XXXX to reflect closed by consumer and marked as paid as agreed. Symbol : XXXX XXXX XXXX XXXX : XXXX ISIN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was taken, and I was blackmailed to send the recipient money under the guise that I was sending money to my fiance in the XXXX. I have all the records, including what bank the money went to, down to the account number and city. If there is any way we can locate that money and put the scammer behind bars I am willing to cooperate. This was done against my will. 

This incident took place on Monday, XX/XX/XXXX in the morning, around XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account, and had me send {$1900.00} to an account in tXXXX XXXX XXXX XXXX XXXXXXXX. That account is still open and action can be taken against it. They tried to do another money transfer by me but by this point I decided to fight back. 

At that point I decided to fight back. I contacted my bank and closed off all of my accounts and also filed for a claim/dispute, and put in my statement. The second transaction never went though but I'm still missing the first amount that was taken, {$1900.00}. Again I'm willing to cooperate, if there's a chance I can get my stolen money back, I will do it.

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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 loan account opened at XXXX XXXX XXXX XXXX XXXX  XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account 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 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On XX/XX/year>, an account with LVNV Funding LLC was opened, with an outstanding balance of {$440.00}. The account has been reported as open and was placed for collection. I am disputing the account information, as I did not have a direct business relationship with LVNV Funding LLC, and they are not the original creditor. 

The charges have been inaccurately reported, and I believe the information is incorrect. I am requesting clarification and documentation to verify the validity of the account and charges. 

This issue has caused discrepancies in my credit report, and I am seeking resolution and correction of the information reported by LVNV Funding LLC.

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: 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: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I RECENTLY SAW IN MY CREDIT REPORTS SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAVE ALREADY TAKEN STEPS TO INFORM THE DIFFERENT AGENCIES ABOUT THE MATTER. THE COMPANIES ARE XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX I ATTACHED DOCUMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
Per the FCRA, as a federal protected consumer, I am now opting out of any and all authorization that, I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. 

CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX As a federally protected consumer, I'm seeking proof of the alleged debt under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

In a good faith effort to resolve this matter amicably, I demand proof of the debt, specifically the alleged contract or other instrument bearing my signature in ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file as I am a victim of a data breach. The accounts and inquiries listed below were made without my authorization. Under my rights pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit report.

Fraudulent Accounts : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$820.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/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 2024-12-11 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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