vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: IL

Complaint narrative:
In XX/XX/year> I disputed the late payment from XXXX XXXX XXXX. In the amount of {$140.00} due to fact that I was never late on my payment. The company refused to remove this from my credit 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 2024-09-12 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: IL

Complaint narrative:
In XX/XX/year> I disputed the late payment from XXXX XXXX XXXX In the amount of {$140.00} due to fact that I was never late on my payment. The company refused to remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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:
Im extremely frustrated to see unauthorized inquiries on my credit report. I didnt expect any changes, and now Im worried about these random discrepancies. I tried refreshing the browser, but the problem persisted, which left me even more anxious. Im pleading for a thorough review of the documents Ive sent so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
There was never a resolution for my account. It was just closed, my deposit was labeled as fraud and my funds were sent to me, My check was not fraudulent and had my business name on it but still no resolution almost 4 years later, I still havent been released my funds that were supposed to be deposited into my bank account.

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 2024-09-12 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: MO

Complaint narrative:
I am writing to formally file a dispute regarding multiple inaccuracies on my credit report that have been reported by the following agencies : XXXX, XXXX, Equifax, XXXX, and XXXX XXXX. Despite submitting requests for reinvestigation to these bureaus, no corrective action has been taken, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, I attached the letter from the Bankruptcy Court with each reinvestigation letter. 

Reference # XXXX Inaccuracy : Date Filed/Reported ( XXXX and XXXX date is XX/XX/year> and Equifax date is XX/XX/year> ) Inaccuracy : Reference #, Closing Date and Court Violation : This inaccurate reporting violates FCRA 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain accurate information. 
Violation : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information. 

I have submitted letters for 6 months requesting reinvestigation of the above inaccuracies to XXXX, XXXX, Equifax, XXXX, and XXXX XXXX, but no corrective action has been taken, nor have I received any updated results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally file a dispute regarding multiple inaccuracies on my credit report that have been reported by the following agencies : XXXX, Experian, XXXX, XXXX, and XXXX XXXX. Despite submitting requests for reinvestigation to these bureaus, no corrective action has been taken, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, I attached the letter from the Bankruptcy Court with each reinvestigation letter. 

Reference # XXXX Inaccuracy : Date Filed/Reported ( XXXX and Experian date is XX/XX/year> and XXXX date XXXX XX/XX/year> ) Inaccuracy : Reference #, Closing Date and Court Violation : This inaccurate reporting violates FCRA 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain accurate information.

Violation : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information.

I have submitted letters for 6 months requesting reinvestigation of the above inaccuracies to XXXX, Experian, XXXX, XXXX, and XXXX XXXX, but no corrective action has been taken, nor have I received any updated results.

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 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The account was closed and the company continued to charge me.

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 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FlexShopper, Inc
State: GA

Complaint narrative:
This company has added fraudulent information to my credit report that has had a major negative impact to my credit. Ive made several attempts to get proof to verify what this is supposedly for. Ive never received any type of contact notifying me of what this debt was supposedly for.

Im demanding proof this debt is mine and an itemized listing of what this was supposedly for.

Legal action will be taken if this demand under the FRCA is not satisfied within thirty days. Additional certified demands will be sent to the attention of XXXX XXXX at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NJ

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-09-12 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: NY

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-09-12 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
On XX/XX/2024 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet and I feel as if I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days and should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that youve caused me. My information was also impacted by the XXXX data breach and my information may have gotten into the hands of the wrong person.

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 2024-09-12 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I never had any late payments, I'm not sure why it's shows that I'm being late The consumer reporting agencies need to report all information with complete accuracy. 
this account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting to investigate and provide verifiable proof with records showing that I had late payments. 
If the information can not be verified I demand these payments to be updated to paid on time immediately. 

Account name is XXXX XXXX # XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I have an erroneous collection that should be REMOVED. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to then best of their ability with MAXIMUM ACCURACY. This account is not on XXXX but is on Transunion and XXXX with information that doesnt even MATCH. Please investigate and provide proof with statements showing that these accounts are accurate. If proof cant be provided I demand this account be DELETED COMPLETELY from my credit report. Thanks.

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 2024-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Daily interest is still not being properly applied as previously stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX  under the account number ( XXXX ), at XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ). A personal loan at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ) XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: MI

Complaint narrative:
I am writing to file a formal complaint against World Finance regarding a debt they are alleging I owe. I am disputing the validity of this debt and formally requesting World Finance to provide full validation, as required under federal consumer protection laws. 

Issue : World Finance has claimed that I owe a debt. However, I have not received sufficient documentation or validation to prove that this debt is valid and legally enforceable. I am requesting World Finance to provide proper validation of the debt, including : 1. The amount of the original debt.

2. A breakdown of how the alleged debt amount was calculated.

3. Proof that the debt has not been paid or settled.

4. Any signed agreements or contracts showing that I am responsible for the alleged debt.

Legal Grounds : I am asserting my rights under the following federal laws, which require debt collectors and creditors to provide validation upon request : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Under Section 1692g, I have the right to request validation of the debt. This requires the creditor to provide sufficient proof that the debt is valid and that I am legally obligated to pay it.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) World Finance must also ensure the accuracy of the information they furnish to the credit reporting agencies. Reporting inaccurate or unverifiable debts is a violation of the FCRA.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. If the debt stems from a credit transaction, I request any documentation related to my original credit agreement with World Finance, as required by the Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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 seek your help in addressing this mistaken account on my credit report. It has severely impacted my reputation, and I require your support. Your improper reporting has caused major damage to my standing, and I demand you remove this incorrect data from my credit 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 explanation
Consumer complaint received 2024-09-12 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account.

This collection Informationon my Transunion XXXX report is not refelecting the same infromation that was removed from XXXX XXXX 
Collections ( XXXX XXXX XXXX ) Transunion Account # XXXX Collections ( XXXX XXXX XXXXy ) XXXX Account # XXXX Delete ASAP.

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 2024-09-12 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX 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 XXXX AND XXXX 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 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 response to consumer: Closed with explanation