vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: VA

Complaint narrative:
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 Subject : Request for Enforcement Against Equifax for FCRA Violations Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax. I believe that Equifax is in violation of 15 USC 1611, which pertains to criminal liability for willful and knowing violations, as well as 15 USC 1681, which focuses on the accuracy and fairness of credit reporting. 

Specifically, I have discovered that Equifax has reported my XXXX XXXX XXXX XXXXXXXX account on my credit report, which unlawfully reports my transaction history. Under the FCRA, it is illegal for credit reporting agencies to furnish information that is not accurate or fair, and I believe this inclusion constitutes a clear violation of these legal standards. 

I kindly urge the CFPB to investigate this matter and enforce the necessary actions to compel Equifax to remove XXXX XXXX XXXXXXXX XXXX account from my credit report. The continued presence of this account is adversely affecting my creditworthiness and financial standing. CFPB this account has been reporting my Transactions, Experiences for over 3 years. THE LAW CLEARLY STATES TRANSACTIONS ARE ILLEGAL. 

Thank you for your attention to this important matter. I look forward to your prompt action and response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take action against the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute : Incorrect Creditor Reporting To Whom It May Concern, I am writing to dispute an egregious error on my credit report that has come to my attention. There is a creditor listed on my report TWICE and with different account numbers, and this inaccurate information is severely damaging my creditworthiness. 

The creditor in question is : - **XXXX XXXX XXXX XXXX ** - XXXX -** XXXX XXXX XXXX  XXXX The double entries is completely erroneous. I have no connection to the account ending in XXXX, and it is unacceptable that such false information is being reported as part of my credit history. I demand an immediate reinvestigation of this matter. 

You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is accurate and up-to-date. The continued reporting of this incorrect account is not only a violation of my rights but also a direct threat to my financial well-being. 


I trust you will take this dispute seriously and act swiftly to correct this harmful error. I look forward to your prompt response confirming the removal of this incorrect information. 

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. this is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau.

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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. My card ends in XXXX. 
It was made clear to me I qualified for the XXXX dollar spending bonus after spending XXXX. I paid off all XXXX XXXX today and got no bonus. I called a supervisor and was gaslighted and told I never qualified for it and I should have read it carefully and I got a counter offer. I read up online and found out that HAHA YOU DO THIS ALL THE TIME TO XXXX XXXX XXXX XXXX, ALL OVER XXXX AND XXXX PEOPLE TALK ABOUT IT. And they told me to file a complaint. So here I am. I implore people to look it up. Its so so so common. I recently moved out and I was so exited for this extra money to finally eat so real food, but no, stuck with college food for even longer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Monthly Reporting of Charge-Off Account Dear Experian, I am writing to formally dispute the ongoing reporting of a charge-off account that is adversely affecting my credit report. 

The details of the account in question are as follows : - **XXXX XXXX XXXX  : ** - **Account Number : ** XXXX - XXXX of XXXX : ** XX/XX/XXXX It has come to my attention that this charge-off is being reported to your agency on a monthly basis, representing it as a current negative account rather than a historical one. According to the Fair Credit Reporting Act ( FCRA ), charge-offs should not be reported as active negative items indefinitely, as they are expected to reflect the original delinquency date and should not be re-aged. 

Continuously updating this charge-off each month misrepresents my credit history and unfairly impacts my credit score. I respectfully request that you conduct a thorough investigation into this matter, review the reporting practices associated with this account, and take corrective action to ensure accurate reporting per FCRA guidelines. 

Please provide me with confirmation of receipt of this letter, along with the steps you will take to resolve this issue, within 30 days. If this inaccurate reporting is not rectified, I may need to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or seek legal recourse to protect my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to your timely response. 

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Sincerely, 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 2024-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
After two complaints with the cfpb the same problem exists recap XX/XX/XXXX ask if home could be repurchased was told yes had till XX/XX/XXXX to buy XXXX received documents from XXXX XXXX XXXX filed on XXXX eviction process had been approved XX/XX/XXXX second complaint with cfpb SHELLPOINT response was sent to me on XXXX stating XXXX XXXX has all information to repurchase home .I have been in contact with XXXX XXXX since XXXX when I received my eviction letter XXXX XXXX told me they have nothing to do with the sell or purchase of home they only filed in eviction they gave me XXXX XXXX contract information.i have been in contact with XXXX and XXXX since XXXX and both parties say no one of their contacts will let them know what to do this is the same service I received as a customer they put all matters off till you are out of time like starting the eviction process before the time they given me and refer me to people whom I've been in contact with that can't get answers either

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 2024-11-10 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: OH

Complaint narrative:
I would like these illegal addresses thats being reported on my XXXX, XXXX, and Transunion report removed asap. According to USC Sec 16b1681li ( a ) and FCRA these addresses must be removed immediately. Thank you. 

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 2024-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Creditly Corp.
State: AL

Complaint narrative:
I signed up for credit Genie and paid the subscription, it kept telling me to add another bank because XXXX  was not compatible. I reached out and spoke to them by email with them telling me I was approved for a cash Advance which was false. They deleted my account at my request after I paid subscription fees for no Advance and basically for absolutely nothing benefits me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-10 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: MI

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
We have repeatedly tried to receive help from American Express as to why our rewards were not applied to our balance as we were originally told they would from a phone conversation in late XX/XX/XXXX. They can take money from our checking account each month to pay our balance, but it seems it takes them over a month to apply our earned rewards. We feel it is a UDAAP violation, as it implies the rewards will be applied to current balance. In the " terms '' ( still not provided, so not verified ) it states if you make any other purchases, it is applied to your NEXT statement instead of your current statement. The consumer is receiving the raw deal. We tried on XX/XX/XXXX to speak to a manager to escalate the issue. Each time the company had " technical errors. '' We tried again on XX/XX/XXXX. We took screenshots of the chat, and we believe American Express is typing our that there were technical issues and not actually technical issues. On XX/XX/XXXX we also called American Express and were conveniently hung up on. We have asked repeatedly to file a complaint based on our experience, and we have been denied that, so we are filing through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: CA

Complaint narrative:
I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers. Also for all the Charge Off accounts li
sted below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

Also i attached a notice that Experian sent to me stating that these dispute didn't come from me but they did, and also i haven't heard a response from XXXX and XXXX XXXX. XXXXXXXX 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 explanation
Consumer complaint received 2024-11-10 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: MI

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: MI

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
Harassing mails to collect a debt that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report this information, ensuring my credit report no longer contains any fraudulent details.

Several times, I have called the credit bureau reporting these fraudulent accounts in my report, but the CREDIT BUREAU has not provided a solution to this problem. I am being severely affected, as it prevents me from acquiring a new house for my children. These collections were eliminated and not verified by other bureaus, and I do not understand how they continue to claim that these accounts are mine.

I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me by immediately deleting these accounts. Here, I include the FTC report, hoping that you make a better decision in my situation. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report this information, ensuring my credit report no longer contains any fraudulent details.

Several times, I have called the credit bureau reporting these fraudulent accounts in my report, but the CREDIT BUREAU has not provided a solution to this problem. I am being severely affected, as it prevents me from acquiring a new house for my children. These collections were eliminated and not verified by other bureaus, and I do not understand how they continue to claim that these accounts are mine. 

I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me by immediately deleting these accounts. Here, I include the FTC report, hoping that you make a better decision in my situation. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NC

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
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