vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
I've found the following violations on my consumer report U S C 6801 reporting of non public information XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and U S C 1666b reporting of illegal lates XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I did not give anyone written consent to share these accounts on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: OR

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-05 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-07-05 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with 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 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NC

Complaint narrative:
XXXX XXXX XXXX ( XX/XX/XXXX ) sold account to another lender without my consent or knowledge, the closed account owed is {$0.00}. Remove account from report. 

XXXX XXXX XXXX  ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX card ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XX/XX/XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX ( XX/XX/XXXX ) this has been closed, transferred. {$0.00}. Remove from report. 

XXXX XXXX XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: NC

Complaint narrative:
XXXX XXXX XXXX ( XX/XX/XXXX ) sold account to another lender without my consent or knowledge, the closed account owed is {$0.00}. Remove account from report. 

XXXX XXXX XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX card ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XX/XX/XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX  ( XX/XX/XXXX ) this has been closed, transferred. {$0.00}. Remove from report. 

XXXX XXXX XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NJ

Complaint narrative:
Kindly please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files

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 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I XXXX XXXX was a member of Chime online banking, however my acct has been closed as of XX/XX/year> as per them bc of charges I disputed that were not done by me but however at the same place I have shopped at. They did not approve any dispositions I made making it unfair without telling me about the charges not listed on my acct for using my debit card or transferring funds from my debit card to my XXXX XXXX card. Then not giving me the amount I am owed back from a transaction being disputed. Several times I tried to explain to an agent yet nothing was done for it. I was made to be assumed that I was wrong and didn't know what I was talking about and bc I provided a police report with the disputes they did not approve so they closed my acct on me bc I was not wrong. However there's has been hundreds of dollars missing from my account every moth for the last 3 yrs. In addition to the places I shopped at did not show as per the transaction that showed up on my transaction slips.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: OR

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I would like to know why my insurance company has added the title loan company name on a check for the the repairs to my car. This has caused an inconvenience for me to repair my car that is damaged. The car is not totalled. I have purchased parts out of pocket to allow myself to be able to do necessary arrans to get this matter resolved. My insurance company does not offer me car rental services. The adjuster is treating me as if I am a criminal. I am current with both payments, insurance and tile loan. I need answers why I am a victim, and why the check is this way. No one seems to know the answer, and the insurance ajuster does not return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late 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. 


XXXX XXXX XXXX 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 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 2024-07-05 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: OR

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated.

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. 

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: CA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-05 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: FL

Complaint narrative:
I received a copy of my credit report there are an erroneous amount of errors throughout my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-05 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed that XXXX XXXX XXXX reported a collection to my credit report with XXXX being the original creditor. It was determined that this account does not belong to me. But has not been removed from my credit report. I have never had an account with 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 2024-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Finance Charges are too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Roundpoint Mortgage is not respecting Consumer Finance Company, even if I go through you, Consumer Finance Company.

I think Consumer Finance Company should exercise its Powers, so that Roundpoint Mortgage satisfies the Customer.

It is my Rights to get the Amortization Statement which will tell when my Loan will end, the REAL Date.

Roundpoint is not doing that.

They simply give a Statement which is not Real Amortization Statement We have been paying Additional {$500.00} Towards the Principal.

Why we pat like this? To Reduce Our Loan Period. 
Roundpoint is not subtracting is {$500.00} in Every Month, and so this does not give the REAL MATURITY DATE. 
Can you ask them to get educated and get the Tools to do that as a Finance Company they should do that I repeat Consumer Finance Company should exercise its Powers, so that Roundpoint Mortgage satisfies the Customer.

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 2024-07-05 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:
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: OH

Complaint narrative:
I have disputed these fraudulent accounts on several occasions since XXXX when I discovered the information on my account. When I finally was able to get them removed by dispute process. The information was re added back on my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not my accounts. This has ruined my attempts to purchase cars and house for my family. 
This is fraud an I need them to remove and not add it at a later time.

Company response to consumer: Closed with non-monetary relief