vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently got a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: CO

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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 2024-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Not updated as agreed to reflect paid in Full Collection need to be completely removed off report XXXX XXXX XXXX Aldous and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
On XX/XX/year> I received a notification that a credit inquiry had been placed on my XXXX report from Barclays Bank. I have NOT applied for ANY credit anywhere. I contacted Barclays Bank and was told that they don't show any accounts under my name, social or birth date. I advised them that I want the inquiry removed from my XXXX. They said they can't do that because I have no accounts with them. I contacted XXXX & they said I need to ask Barclays to delete it. I did that and they said they can't help me. They ran my credit from SOMEWHERE and it was not me! I want this removed!

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, Experian, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXX XXXX : After contacting XXXXXXXX XXXX XXXX  customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX  acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, Experian, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 2024-10-18 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: LEXISNEXIS
State: NM

Complaint narrative:
Incorrect credit reporting information and denial of consumer credit type of transaction and misuse of credit and lied to me and said I must give my social to receive services and thats not true see privacy act 1974 also collections department disregard UCC 3-603. Due diligence not done credit report is not equitable and fair. Not able to obtain credit for automobile despite being XXXX XXXX. How does that credit work again? Are we not entitled obtain loans because was denied credit due to billing errors and payments refused by credit union and dont bother referring me back to NCUA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a CapitalOne Venture X credit card a few weeks ago, and barely got to use it before one transaction triggered a fraud alert and blocked my account from further purchases. 

I called CapitalOne 3 times in the last week and every time, I told them all of the declined transactions were not fraudulent, and that they can unblock my account. Every time, the customer service agent was unable to unblock my account due to an unknown error, with no resolution nor estimate on when this issue would be fixed. They only advised me to call back 2-4 hours later ( despite me calling a few times that week, and nothing getting fixed ). 

Now that my card is incorrectly blocked, I am unable to make purchases on the card, unable to reach my spending limit toward the sign-on bonus ( since I have large purchases to make right now ), and I'm unable to use the advertised card benefits despite paying for the card 's annual fee. 

They have made no effort to follow-up with a resolution, and continue to stall by saying they've " submitted feedback internally '' with no guarantee that it will be read or acted on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX XXXX number XXXX XXXX ( CLOSED ACCOUNT ) payment late year XXXX  and charge off years XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Complaint Details : Account Number : XXXX ( I.C. System, XXXX  ) Date of Issue : XX/XX/year> Credit Reporting Agency : XXXX Company Involved : I.C. System, XXXX Summary of the Complaint : I am submitting this formal complaint against XXXX and I.C. System regarding the improper reporting of a Spectrum account on my credit report, account number XXXX. I believe the reporting is inaccurate and does not comply with federal laws, particularly : 1. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide a clear and conspicuous validation notice. I have not received proper notice concerning this debt from I.C. System, nor has the information been validated accurately. 2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The law mandates debt collectors to disclose consumer rights clearly. I have not been informed properly about my rights to dispute this debt or request further validation. 3. 12 CFR 1006.34 ( d ) : Under this regulation, the
debt collector must provide specific information regarding the debt in the validation notice, including the name of the creditor and the details of the debt. I did not receive sufficient or accurate details about the alleged Spectrum account debt.

4. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Credit furnishers, such as I.C. System, are required to notify consumers when negative information is placed on a credit report. I was not notified of this derogatory entry in my credit report by the debt collector.

Desired Resolution : I request the removal of the inaccurate account from my XXXX credit report. Additionally, I ask that I.C. System and XXXX provide a full investigation and proper validation of the debt under the applicable federal laws. If they fail to comply, I expect the account to be permanently removed from my credit file and for XXXX to correct this mistake.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Formal Complaint Regarding Inaccuracies and Time-Barred Debts on Experian Credit Report - Report No. XXXX Dear CFPB, I am writing to formally lodge a complaint regarding multiple inaccuracies and outdated information on my Experian credit report, reference number XXXX. These issues are affecting my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). 
The specific issues I am encountering are as follows : Inaccurate Information : My credit report contains numerous errors, including accounts I have not authorized or do not recognize. 
Time-Barred Debts : Many of the debts listed are past the statute of limitations for collection under Georgia law ( O.C.G.A. 9-3-25 ), which is four years. Despite this, they are still being reported as outstanding.

Failure to Update Information : Several debts and negative items remain on my report well beyond the legally allowable reporting period. 
I have contacted Experian to dispute these inaccuracies, but they have failed to correct the errors within a reasonable timeframe. This unresolved situation is causing unnecessary harm to my credit score and financial standing. 

I kindly request that the CFPB intervene and ensure that Experian corrects the inaccuracies, removes all time-barred debts, and updates my credit report accordingly. I would also appreciate guidance on further steps to ensure my rights under the FCRA are upheld. 

Please feel free to contact me if additional information or documentation is required to investigate this matter further. I appreciate your prompt attention to this serious issue. 
Sincerely, 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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I created an Equifax account with the intent of correcting some information on it. I had a few issues accessing my account almost immediately, as it had created my account, but was unable to login. I tried creating a new account to see if there was an error in making my account, but it said that I was already using my information on an account. Upon calling, I was then granted access to my account. I was then able to view my account and address my original issue, and was told to send a letter. After hanging up on the phone, my account wasn't able to be accessed again. 
I sent a letter about over two weeks ago with no follow up, no email, and still no access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Date:XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by Inquiry made on : XXXX To Whom It May Concern I am writing to dispute the following information in my file. I recently received a copy of my credit report, and! :, notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act : {$720.00} ( was credited toward the error debt ) as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation ; and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please : send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so il may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit : inguiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my : credit file ( XXXX XXXX XXXX XXXX from XXXX XXXX  ) Please be so kind as to forward me d

ocumentation that you have had the unauthorized inquiry : removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. : According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. : Your immediate attention to this matter is appreciated. Thank you 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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have mailed a notarized Affidavit of Truth to both XXXX XXXX ( see attached ) and The US Department of Education ( see attached ) making it known that no contract exists between me and the corporations XXXX XXXX XXXX XXXX and U.S. Department of Education. The affidavit has remained unrebutted. Unrebutted affidavits stand as truth in commerce. XXXX, Equifax, and XXXX have been falsely reporting an alleged debt that does not exist and is not owed o my credit report which has negatively impacted my credit worthiness and reputation.

In a letter dated XX/XX/year> XXXX XXXX addressed the request as per as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ), however they failed to provide proof of the original contract with wet ink signature. The document ( see attached ) displays a contract from Federal Direct Stafford/Ford Loan/William D. Ford Federal Direct Loan Program with a typed signature and date. I am questioning the legitimacy of the contract and still have requested the following items from XXXX XXXX : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

* Bond number of the licensed debt collector *Furnish the original contract that shows wet ink signature *Furnish the original contract or security agreement showing repayment of alleged debt I requested not to be contacted by email or phone call as well and was still contacted by them via telephone. 

In a separate letter dated XX/XX/year> I was sent a letter from XXXX XXXX stating the alleged account was 90 days or more past due and an outline of consequences of delinquency during on ramp period. 

In another letter dated XX/XX/year> from XXXX XXXX, they stated that their records indicate that the last scheduled payment has not been received and the account is now 11 or more days past due.

Since my initial letter on XX/XX/year>, I have yet to receive any of the information I demanded from XXXX XXXX. 

On XX/XX/year> I certified mailed a final warning to XXXX XXXX stating that if the unverified accounts were not removed, I would resort to taking legal action as per my rights. 

As a result of all information provided, I demand that all account information and personal information associated with XXXX XXXX be removed and deleted and that they cease reporting to credit bureaus

Company response to consumer: Closed with non-monetary relief