vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: WI

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-21 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: WI

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-21 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: TX

Complaint narrative:
i never gave authorization for the following inquiries. i never reach out for an extension of credit from these companies. please see attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: General Motors Financial Company, Inc.
State: PA

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

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

I demand the late payment reported in those account to be removed.

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

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

GM FINANCIAL Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendbuzz Inc.
State: IL

Complaint narrative:
XXXX has allowed this company ( Lendbuzz funding llc ) to report a fraudulent account on my report, my information got exposed during the data breach. I have disputed this account multiples times, Dates of disputes XX/XX/year>, XX/XX/year>, XX/XX/year>. I have asked for documentations from this company stating that this debt belongs to me something with my signature I yet have to receive anything.The error is illegal and unethical XXXX FAILED TO INVESTIGATION, The account is damaging to me. 
Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Equifax - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against XXXX for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Equifax has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Equifax has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account. 

I have previously disputed this account with Equifax on two separate occasions, requesting that they correct the reporting errors. Unfortunately, Equifax has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA. 

I am requesting that the CFPB intervene in this matter and ensure that Equifax conducts a thorough and accurate investigation into the reporting of this account. Given Experians continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] I trust that the CFPB will take swift action to address this issue and hold Equifax accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: CA

Complaint narrative:
XXXX Incorrect Accounts XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$820.00} XXXXAuto Loan with XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$5200.00} XXXX Incorrect Hard Inquiries for Credit : -XXXX  XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Incorrect addresses XXXX in XXXX XXXX, NY and XXXX in XXXX XXXX XXXX NJ Incorrect DOB Year XXXX is not my birth year Incorrect Cell Number XXXX is not my cell phone Never XXXX XXXX Incorrect Name XXXX XXXX XXXX XXXX is not my name Debt Recovery Claim -My lease terminated and I have no obligation for the rent requested from XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX are responsible for payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation I would like this item immediately re investigated this is highly injurious to my credit score. XXXX XXXX XXXX accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me and updated copy of my credit report after your reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation I would like this item immediately re investigated this is highly injurious to my credit score. XXXX XXXX XXXX accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me and updated copy of my credit report after your reinvestigation

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 2024-08-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a hard credit inquiry in my XXXX credit report under the name of Comenity Bank XXXX ( Victoria Secret Credit card program ) with date XX/XX/XXXX. I have never applied to any Victoria Secret and/or Comenity Bank credit card, neither I am a customer, or have been a customer, of either companies. I reached out to Comenity Bank on XX/XX/XXXX about the credit inquire, and they assured me there were no records under my name, email, phone number, and/or social security number in their system with a past or active application. Simultaneously, Ive opened XXXX ( XXXX ) disputes about the hard inquiry with XXXX, dated XX/XX/XXXX and XX/XX/XXXX, and they have both been closed less than XXXX hours after with a seemly automated message of the inquire is accurate and will remain in your report. I have tried to reach out to XXXX via phone on XX/XX/XXXX and XX/XX/XXXX without success after more than XXXX minutes on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 2024-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capitol One credit card was issued in XXXX of XXXX, closed in XXXX of XXXX Credit report is showing a balance due of {$730.00}. They have an XXXX XXXX address listed for somewhere I have never lived. I have reported it as fraud to their department, but their investigation found no fraud. I have never had a Capitol One Credit card or charged anything to their company. This fraudulent charge has been damaging my credit score for almost four years now. I have disputed the charges through XXXX and filed a fraud report with the FTC, Report Number XXXX. Capitol One 's fraud department has failed to find any wrongdoing on their part, but they are unable to name anything that was actually purchased with the card or provide the address where the card was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C , 1681section 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 an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I previously submitted a complaint ( XXXX ) on XX/XX/year>2024 regarding being a victim of identity theft. I submitted a FTC report showing that my identity was stolen an several accounts were opened in my name including phone, checking accounts with fraudulent addresses and identification cards. I have had someone go so far as to change my information with the CRAs and also dispute information by providing fraudulent documentation, and for that I have also filed complaints on all 3 major credit reporting agencies and the small one as well. This company has stated that it has verified this debt to be mine because of that when I have continuously submitted the information that is fraud. Just because someone uses fake identification and accounts to open up credit card accounts does not make this debt mine. I am asking that this company provide this information that they are claiming to have and used to verify this debt in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: ALLY FINANCIAL INC.
State: PA

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

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

I demand the late payment reported in those account to be removed.

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

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

ALLY FINCL Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: Global Lending Services LLC
State: PA

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

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

I demand the late payment reported in those account to be removed.

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

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


GLBLNDSVCS Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: PA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I am a few days late on my payment. I have asked this company, repeatedly, to NOT call my place of employment. They said that they would place a note in the file. Yet, they continue to call my place of employment. The last person that called was XXXX on XX/XX/2024. They asked my co-worker, when I would specifically be back in the office. My co-workers are not curious about my personal business.

Company response to consumer: Closed with explanation