vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 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:
There has been an identity theft on my equifax credit report as someone is trying to apply for credit cards using my name and SSN without my consent or knowledge. There is an unauthorized enquiry with the name XXXXXXXX XXXX on XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please review the following accounts listed in the files below, these account doesn't belong to me and I need it removed immediately. My identity is being stolen and i want this to resolve immediately. It Is degrading to my character and i want these accounts and inquires to be 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 2024-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I saw a transaction from Capital One Auto Finance on my checking account summary that amounted to almost {$1000.00} in a bank draft fee. After not recognizing it, I immediately contacted my bank to dispute this transaction, and that's when I was told that this account belonged to someone I have no association with nor am I familiar with. At this time, my bank told me they would create a stop payment to stop any further auto drafts. However, today, XX/XX/XXXX, I saw the same vendor withdraw almost {$500.00} from my account again. I have tried to contact Capital One, but because I am not the main person on the auto loan account, they can not assist me in removing my checking account from that auto loan account. I request an immediate halt to the unauthorized withdrawals from my checking account related to an auto loan that I am not the holder of, nor did I ever consent to have my banking information linked to this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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 do not recognize the negative accounts on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is in regards to XXXX who has now taken over this from XXXX. This case was dismissed in favor of me, the Defendant, against the Plaintiff, XXXX. This complaint has been ongoing since XXXX. Both companies, XXXX and XXXX have blatantly rebuked a Court Order which, I have provided as proof. They keep reporting to all three credit reporting agencies that this account is mine and refused to remove from the credit agencies. They do not need any more time to investigate as there is nothing to investigate. The Courts ruling says it all. If this is not removed in 10 days I will be filing suit against both companies and seeking damages.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is in regards to XXXX who has now taken over this from XXXX. This case was dismissed in favor of me, the Defendant, against the Plaintiff, XXXX. This complaint has been ongoing since XXXX. Both companies, XXXX and XXXX have blatantly rebuked a Court Order which, I have provided as proof. They keep reporting to all three credit reporting agencies that this account is mine and refused to remove from the credit agencies. They do not need any more time to investigate as there is nothing to investigate. The Courts ruling says it all. If this is not removed in 10 days I will be filing suit against both companies and seeking damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is in regards to XXXX who has now taken over this from XXXX. This case was dismissed in favor of me, the Defendant, against the Plaintiff, XXXX. This complaint has been ongoing since XXXX. Both companies, XXXX and XXXX have blatantly rebuked a Court Order which, I have provided as proof. They keep reporting to all three credit reporting agencies that this account is mine and refused to remove from the credit agencies. They do not need any more time to investigate as there is nothing to investigate. The Courts ruling says it all. If this is not removed in 10 days I will be filing suit against both companies and seeking damages.

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 2024-09-17 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've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. I also was a victim of identity theft by a person who used to do my credit repair and used my information for her own gain. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I contacted this creditor last week and questioned about them being reported on my credit. they stated that they no longer have the account and that the account was sold to XXXX XXXX. I advised them about removing they stated it that XXXX XXXX  the account now and that I would need to call XXXX XXXX. I reached out to XXXX XXXX  and they told me hey had until XX/XX/2024 to respond. 

am writing to dispute the inaccurate reporting of an account on my credit report. Specifically, the original creditor is still reporting the account even though it was sold to a third party. This issue is causing confusion and may negatively impact my credit score.

1. Account Information : Original Creditor Name : COMENITYBANK/VICTORIA Original Account Number : [ XXXX ] Original Creditor Name : COMENITYBANK/VICTORIA Original Account Number : [ XXXX ] Date of Sale : [ unknown ] New Creditor Name : [ XXXX XXXX XXXX ] New Account Number : [ XXXX ] 2. Description of Dispute : My credit report shows the account being reported by both the original creditor and the third-party creditor. Specifically, [ comenity bank/Victoria the original creditor is reporting the account as active and closed, even though it was sold to [ XXXX XXXX XXXX XXXX This is incorrect as the account should no longer be reported by the original creditor.This account needs to be removed immediately. 

3. Supporting Documentation : Below I will provide the two Victoria secret accounts reporting as well as XXXX XXXX  reporting as well. Also the letter I mailed to XXXX XXXX  that I inquired about and they stated that they could not provide me the information when I called I also have video reposes to that as well. There is a recorded conversation as well as to I mailed. letter and did not get a response to. 

Im also requesting : Documentation from the Original Creditor, a letter or statement from the third-party creditor, a final statement from the original creditor, proof of sale, or correspondence Please investigate this matter and update my credit report to reflect the accurate status of the account. Specifically, I request that the original creditor 's reporting be removed Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputes within 30 days. I would appreciate written confirmation once this issue has been addressed and my credit report has been corrected. To keep in mind I have also reported this information to where they were importing inaccurate and all they did was update it instead of removing. the needs to be a thorough investigation. 

I give permission for this account to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: MO

Complaint narrative:
The late payments shown are inconsistent with my usual payment record.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
I consolidated my loan account in 2021. The consolidated balance along with an individual loan amount are now on my account, even after I showed proof I only have one loan amount for $ XXXX. This $ XXXX loan balance should be removed from my account, because it is included in the $ XXXX amount. I can not reach an individual to speak to, and the phone number keeps hanging up on me even during business hours. This needs to be removed because it is consolidated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
I have been trying to log into my Mohela account but I can't log in. The password I used to use suddenly does not work. Apparently Mohela has a new servicing platform. But when I tried to create a new account, it said it didn't recognize my social security number. I get emails from Mohela telling me to log in for information and to see my payment due date. But how can I do that if I can't log in?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS AND ASSOCIATES 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take 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 1681 S-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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
On XX/XX/2024 I wrote all 3 credit bureaus a certified letter requesting that Jefferson Capital LLC validate the debit on my credit files. They are saying this is a debit from XXXX XXXX. I have never had any telecommunication service with this company. I requested validation of the debit showing that this was in fact my debit but never received any documentation, only an update from the credit bureaus saying it was validated. The account number that was provided on my credit file is XXXX in the amount of {$290.00}. The credit bureaus said the accounts were verified but never provided how they verified the account with the documentation that I requested in my letter to them within 30 days. I received no correspondence from Jefferson Capital, LLC regarding the debit validation that was sent. I am asking that this debit be completely removed if you are not able to validate the with the information I requested. How are you able to validate the account but not provide me with the documents I requested? This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Again, I have NEVER had any services with XXXX XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
My account with 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 60 days 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.

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 explanation
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
My account with 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 60 days 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. 

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!

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