vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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

Complaint narrative:
On XX/XX/year>, I disputed a bankruptcy on my Experian credit report. I sent in information to Experian from XXXX stream that shows there is no bankruptcy showing in their records either. Even with that information, Experian is still saying that the bankruptcy is still being verified by XXXX. I'm convinced these credit reporting agencies aren't really doing a complete and accurate investigation into these disputes. It's unfair and damaging to my reputation. I would like for the company to do a better job at investigating my disputes. How is it possible to continue to say XXXX is verifying information that they themselves do not have?

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 2024-12-09 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: GA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


TRANSUNION 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! 


Update 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 2024-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Subject : Request for Written Confirmation Regarding Down Payment on XXXX  XXXX XXXX Dear Capital One Auto Finance, I am writing to formally request confirmation regarding the status of a {$13000.00} down payment I made to the dealership when financing my XXXX  XXXX XXXX XXXX Capital One. 

Upon contacting your company, I was informed that Capital One Auto Finance never requested a down payment for this vehicle and never received the {$13000.00} in question. This raises serious concerns about the dealerships actions, as they appear to have retained the funds without forwarding them to the appropriate parties or applying them toward the vehicle financing. 

To assist in addressing this matter and pursuing the necessary steps against the dealership, I kindly request a written statement from Capital One Auto Finance confirming : 1. That Capital One Auto Finance did not request a down payment for the financing of the XXXX  XXXX XXXX. 
2. That Capital One Auto Finance did not receive a {$13000.00} down payment related to this transaction. 

This documentation is crucial for my records and for any potential legal actions required to address the dealerships fraudulent activity. 

Please send the written statement to my address provided above or via email at [ XXXX ]. 
Should you need further information or documentation regarding this matter, please do not hesitate to contact me directly at [ XXXX ]. 

Thank you for your attention to this matter. I appreciate your prompt response and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Waited over XXXX mins to close account. They want me to call or make an appointment to close account. WHY? Why must they waste my life to close a simple checking account? Put in a complaint with XXXX XXXX with B of A. She did nothing. No respect.

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 2024-12-09 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: RI

Complaint narrative:
I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

Medical payment : XXXX XXXX Account number # XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX amount of {$470.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.

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 2024-12-09 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: FL

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate. I've reached out several times, and the inaction is damaging.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As outlined in 15 U.S.C . 1681, I believe the following provisions have been violated : Section 602 ( a ) : I have the right to privacy and confidentiality regarding my credit information, which has not been respected.

Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing an account without my written consent or instructions. This provision has not been followed in my case.

Section 1681c ( a ) ( 5 ) : No consumer report should contain any adverse information that predates the report by more than seven years, which I believe applies to some of the information listed.

Section 1681s-2 ( a ) ( 1 ) : A person shall not furnish inaccurate information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. The information regarding Convergent Account # XXXX  is false and should 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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Subject : Debt Validation request, Purchase Agreement request I am writing in response to the collection of a debt. I do not recognize this debt and am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information : 1. **Validation of the Debt : ** - The amount of the debt, including a complete breakdown of any fees, interest, or other charges.

- The name and address of the original creditor.

- A copy of the original agreement or contract that created the debt.

2. **Verification of Your Authority : ** - Proof that you are legally authorized to collect on this debt, including documentation showing the chain of assignment or sale of the debt to your agency.

3. **Details of Payment History : ** - A detailed accounting of all payments made on this account, including dates and amounts.

Until you provide the requested validation, and all documentation pertaining to the purchase agreement, I request that you cease all collection efforts and communications with me regarding this matter. Pursuant to the FDCPA, any attempt to report this alleged debt to credit reporting agencies without proper validation is prohibited.

This letter is not an acknowledgment of any liability for the debt in question, nor is it a promise to pay. Furthermore, please communicate with me only in writing at the address provided above.

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date you receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-09 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:
Due to my personal and financial information was sold and bought illegally because of my being a victim of Equifax XXXX XXXX, I am requesting all items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to remove these items. Please help me get these illegal accounts from my credit reports.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-09 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.
State: CA

Complaint narrative:
The following are fraudulent inquires that need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/2024 ). I am attaching a letter from all these creditors authorizing the removal of all these fraudulent credit inquires from my credit file.

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 2024-12-09 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: NY

Complaint narrative:
I have been attempting to get the information on my credit report updated. I paid all of my credit card balances in full. I am currently in the process of purchasing a home. I was told by experian that my paid credit card balances were not updated because the credit card companies have not submitted the information. Upon contacting the credit card companies, i was told that the information had been submitted more than 45 days ago. I have not been able to get a representative of Experian on the phone for more than 15 days. My account shows credit card accounts that have not been updated since XX/XX/XXXX. This complaint is written on XX/XX/XXXX. XXXX as well as Experian have already updated the information.

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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
We have a charge for services not provided. Payment was approved and sent but never resolved. Reached out to paypal and citi but no success on their end as well.

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 2024-12-09 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:
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 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 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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-09 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: TX

Complaint narrative:
I am writing to address the unresolved issue regarding my previous complaint against XXXX XXXX XXXX ( CFPB Report # XXXX ). Despite their response dated XX/XX/year>, in which XXXX XXXX XXXX stated, " XXXX XXXX has made a business decision to close your account and will submit a request to the three major credit bureaus to which we furnish information to update the account status as closed, '' they have not fulfilled this commitment. 

Since their response, I have disputed the account with the XXXX major credit XXXX, XXXX, and Equifax. However, in the most recent response from XXXX on XX/XX/year>, they reported that XXXX XXXX XXXX verified the account as accurate, continuing to reflect the account as open. This inconsistency demonstrates negligence on XXXX XXXX XXXX part, as they have failed to take the corrective action they promised. 

The Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus must be fair and accurate. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the furnishing of information to consumer reporting agencies if the furnisher knows or has reasonable cause to believe the information is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate disputes forwarded by credit reporting agencies and to correct or delete inaccurate information after completing their investigation. 
XXXX XXXX XXXX failure to update my account status as closed, despite their explicit promise, and the subsequent verification of inaccurate information with the credit bureaus is a direct violation of these provisions. Additionally, this negligence undermines consumer trust and highlights a disregard for fulfilling commitments made to resolve disputes.

Company response to consumer: Closed with non-monetary relief