vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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 accounts 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 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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
i requested DEBT validation and i never received anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally dispute the accuracy of certain negative items on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681o, credit reporting agencies and data furnishers may be held liable for negligent noncompliance with the law, which includes failing to ensure the accuracy and integrity of the information reported.

As required by the FCRA, if the disputed information can not be verified within 30 days, you must promptly delete or correct it.

Additionally, failure to correct or remove inaccurate information constitutes negligent noncompliance under 15 U.S. Code 1681o, which may subject your organization to legal liability. If this matter is not resolved, I am prepared to take further action to enforce my rights. 

Please provide written confirmation of your investigation and the resulting actions within the legally required timeframe. If you need any additional information, feel free to contact me at the information provided above. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely,

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 2025-02-03 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:
My account with XXXX XXXX, AND XXXX CARD was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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, AND 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 explanation
Consumer complaint received 2025-02-03 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:
My account with XXXX XXXX, AND XXXX CARD was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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, AND 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 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-03 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: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Experian Information Solutions Inc.
State: IL

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 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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
i sent a letter to the credit agencies, i dont even know who these people are

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 2025-02-03 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 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 2025-02-03 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:
Please take action to block and delete the unauthorized accounts from my credit report as soon as possible. I did not authorize or create these accounts and do not recognize them. Under USC 1681g, I formally request their removal within XXXX  days. Supporting documents are included for your reference

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 2025-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XXXX I was contacted by a home improvement company, via door to door canvassing in XXXX, MA, a town in the XXXX of XXXX, regarding installing gutters on my primary residence. The home improvement company ( the name I no longer remember ) representative put me in contact with Mortgage XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX or XXXX or complete a XXXX mortgage application for submission to the lender. The loan package was submitted to XXXX XXXX XXXX Fixed Rate/HELOC, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX, in the amount of $ XXXX. The XXXX loan and credit card ( the latter was required for the line of credit ) were approved on XX/XX/XXXX. I was XXXX XXXX XXXX. 

On XX/XX/XXXX a draw down was taken for $ XXXX, which I never received to be best of my knowledge. No gutter work was performed between XXXX XXXX. I called the home improvement company several times inquiring when the work would begin and the expected completion date. During those months I was constantly told that it was scheduled for the fall XXXX. In the late fall XXXX a representative came to my home, told me it was too late to start however my job was scheduled for early spring of XXXX. That type of round the mulberry XXXX continued for a couple of years. Meanwhile the entire HELOC of $ XXXX was completely drawn down by XX/XX/XXXX. 

I began making monthly payments of {$730.00} plus in XX/XX/XXXX and each subsequent month and continue to this day, 20 years later. No gutters were ever installed. Chase Bank has never inquired about the home XXXX for which the HELOC was approved and designated. 

I am XXXX XXXX XXXX and owe Chase Bank $ XXXX dollars for funds I never received, nor home XXXX ( gutters ) that were never initiated or completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint and Request for XXXX XXXX XXXX XXXX Dear Equifax Representative XXXX I am writing to formally lodge a complaint regarding the erroneous and inaccurate information reflected on my credit report, which I obtained from Equifax. I have discovered numerous discrepancies that have had a detrimental impact on my credit score and overall financial standing. 

Despite my concerted efforts to maintain an impeccable credit record, making all payments on time, my credit report inaccurately reflects otherwise. This is a direct result of Equifax 's failure to uphold its duty under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate and timely updating of credit information. 

In light of the following points, I request that Equifax promptly take action to rectify these inaccuracies and compensate me for my time, effort, and financial losses incurred due to your organization 's negligence : 1. **Inaccurate Reporting** : The credit report contains information that is demonstrably incorrect. This includes accounts that do not belong to me and payment histories that misrepresent my consistent on-time payments.

2. **Data Breach** : Following the significant data breach in XXXX, my personal information was compromised. As a result, I have been subjected to identity theft, which has exacerbated the inaccuracies on my credit report. This is a violation of consumer law, as Equifax failed to safeguard my sensitive data. 

3. **Violation of FCRA** : According to the FCRA, consumers have the right to dispute incomplete or inaccurate information. Despite numerous attempts to resolve this issue through formal disputes, the inaccuracies persist, indicating non-compliance by Equifax.

Given the substantial harm caused by these inaccuracies, I request that : 1. **Immediate Removal** : All incorrect and inaccurate information be removed from my credit report forthwith. 

2. **Compensation** : Equifax compensate me for the time and financial resources expended in addressing these issues, as well as any damages incurred due to the negative impact on my credit score. 

Please confirm receipt of this letter within 10 days and provide a detailed response outlining the steps Equifax will take to address and resolve these issues. Failure to comply with this request will leave me no choice but to seek legal recourse to protect my rights under consumer law. 

Thank you for your immediate attention to this matter. I look forward to your prompt and favorable response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My account was closed due to a mix-up on the bank 's end, and now I have a credit card bill appearing on my report, along with a balance that was paid because they took it to repay the debt. I have police reports confirming that there were fraudulent activities in states where I was not present. Despite this, the credit card balance, the amount due, and the overdraft fees are still showing up on my credit report, and I have been placed in XXXX due to the bank 's lack of diligence. 

I am asking for this issue to be resolved immediately. I was in a financially abusive relationship and was only allowed to use my card when I went into the bank, which I communicated to the bank teller. I have since left Arizona and am now rebuilding my life here in California. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: LEXISNEXIS
State: GA

Complaint narrative:
Public Records Information is NEVER validated by the Recorder of Deeds nor the U. S Court system due to the FCRA Privacy Law. 

Delete the Bankruptcy using consumer laws.

15 USC 1681a ( e ) never validated or verified the public record entry.

15 USC 1681b ( aN ( 2 ) No consent to furnish any information.

15 USC1681c ( a ) Bankruptcy information is EXCLUDED From, the consumer report.

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports LETTER FOR BANKRUPTCY ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Careless Enablement of Character Fraud 3. ) Infringement of the Reasonable Credit Detailing Act 4. ) Defamation 5. ) Negligent Enablement of Identity Fraud 6. ) Violations of the Fair Credit Reporting Act 7. ) Financial Injury 8. ) PENALTY OF PERJURY 9. ) Violations of 15 U.S.C 1692g 10. ) 15 U.S.C 1692a abusive practices 11. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 12. ) 15 U.S. code 1681 4A B2 Misleading False Reporting My contact information is as follows : XXXX XXXX XXXX XX/XX/year> XXXX XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints

Company response to consumer: Closed with explanation