vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: CarMax, Inc.
State: GA

Complaint narrative:
Subject : **Formal Complaint Regarding Late Payments and Unauthorized Credit Reporting** I am writing to formally address a serious concern regarding my credit report and the reporting of late payments that I believe are inaccurate and have been reported without my written consent. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and fair reporting of my credit information.

**Details of the Complaint : ** 1. **Late Payments : ** I have noticed that my credit report reflects late payments that I do not believe are accurate. I request a thorough investigation into these entries.

2. **Unauthorized Reporting : ** I have not provided written consent for the reporting of this information, which is a violation of my rights under the FCRA .

**Request for Action : ** I kindly request the following actions to be taken : - **Removal of Negative Information : ** Please remove all late payments and any negative information related to my creditworthiness from my credit report within 10 business days.

- **Cease and Desist : ** I request that you cease all communications with collection agencies regarding this matter, including any digital, email, or other forms of communication. 

I expect a prompt response to this letter and a resolution to my concerns. Please confirm receipt of this letter and inform me of the actions you will take to rectify this situation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Subject : **Formal Complaint Regarding Late Payments and Unauthorized Credit Reporting** I am writing to formally address a serious concern regarding my credit report and the reporting of late payments that I believe are inaccurate and have been reported without my written consent. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and fair reporting of my credit information. 

**Details of the Complaint : ** XXXX. **Late Payments : ** I have noticed that my credit report reflects late payments that I do not believe are accurate. I request a thorough investigation into these entries. 

XXXX. **Unauthorized XXXX : ** I have not provided written consent for the reporting of this information, which is a violation of my rights under the FCRA XXXX 

**Request for XXXX : ** I kindly request the following actions to be taken : - **Removal of Negative Information : ** Please remove all late payments and any negative information related to my creditworthiness from my credit report within XXXX business days. 

- **Cease and Desist : ** I request that you cease all communications with collection agencies regarding this matter, including any digital, email, or other forms of communication. 

I expect a prompt response to this letter and a resolution to my concerns. Please confirm receipt of this letter and inform me of the actions you will take to rectify this situation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: PA

Complaint narrative:
My account with XXXX AND DEPT OF ED/XXXX 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 AND DEPT OF ED/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 2025-03-08 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as a past due balance. I do not know this company or have I ever had a relationship with this company. I have never done any business with this company. This company does not have a contact with my signature.

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 2025-03-08 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as a past due balance. I do not know this company or have I ever had a relationship with this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed some inaccuracies. The following items appear to be incorrect : LVNV FUNDING LLC - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the continued reporting of inaccurate and false information on my credit report. This is my third attempt to resolve this matter, and I demand immediate action in compliance with federal law. 

Pursuant to 15 U.S.C. 6802 ( Financial Privacy Rule ), I hereby exercise my right to privacy and demand that you cease the unauthorized dissemination of my financial information to third parties, including credit reporting agencies, without permissible purpose or my express consent. 

Additionally, under 15 U.S.C. 1681b ( Fair Credit Reporting Act Permissible Purposes of Consumer Reports ), you are required to ensure that any reported information is accurate and provided with proper authorization. If you can not verify and provide lawful documentation supporting the validity of this debt, you must immediately remove it from my credit report. 

Furthermore, any attempt to knowingly furnish or maintain inaccurate or fraudulent information could be deemed identity fraud under 18 U.S.C. 1028A ( Aggravated Identity Theft ). If you are reporting incorrect or unverified debt information in my name, this constitutes a serious violation of federal law. 

I formally requested Form XXXX along with a document bearing a wet signature that verifies the authenticity of the alleged debt. Additionally, I have provided authorization permitting the disclosure of relevant information, including reporting to credit agencies. If you can not produce these documents, you must immediately cease reporting this invalid debt to the credit bureaus. 

Failure to act on this matter may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential litigation for willful noncompliance with federal statutes. 

I expect a written response within XXXX days of receipt of this letter, confirming the removal of this erroneous information from my credit report. A copy of this dispute will also be submitted to the credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX ) the problem with Citi Bank happened after I opened regular checking account on XXXX at XXXX, CA.branch.with banker her name XXXX XXXX account number XXXX. 
XXXX ) on XXXX received letter from fraud prevention said we closing your recently opened checking account and all accounts you have with us within 60 days because I violated the terms of the account 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 2025-03-08 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:
EXPERIAN recently verified an account that I disputed as inaccurate with proof. I am now requesting the method of verification because I believe this account was not actually verified and a sham investigation was done. This account is still reporting inaccurate after the verification.

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 2025-03-08 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 am filing a complaint against XXXX XXXX XXXX for reporting a collections account on my credit profile for unpaid utilities. I have never had an account or contract with XXXX XXXX XXXX, nor have I received any documentation validating this debt. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report and to receive verification of any alleged debt.

I disputed this account with Equifax, and despite the statutory 30-day investigation period under 15 U.S.C. 1681i ( a ) ( 1 ), no verification or documentation proving the validity of this debt has been provided. Equifax has failed to remove or correct the inaccurate reporting, which constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX has failed to provide proof that I owe this debt, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), which requires debt collectors to provide validation of a debt upon request.

This inaccurate reporting is causing harm to my credit profile, and I demand the immediate removal of this account from my credit report. I request the CFPB to investigate this matter and hold XXXX XXXX XXXX accountable for any violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: OR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2025-03-08 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
THE XXXX XXXX XXXX ( Original Creditor : XXXX COMMUNICATIONS ) XXXX Balance {$110.00} OXXXX XXXX Balance : {$2200.00} XXXX  NETWORK INC/F XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX XXXX  XXXX I fell for a scam related to a relationship at XXXX XXXX XXXX. Foolishly, I deposited several checks unknowingly that they were going to bounce. I tried to contact the bank when I realize they were not real and several time have tried to resolve it with chase. They ultimately decided to end our relationship. I dont participate in any criminal activity and other lines of work that would put them at risk. I would like to still get a second chance with the bank and have been trying to resolve this since. I now understand check scams and other kinds of scams as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Consumer Reporting Agency Experian, XXXX, & XXXX Subject : Formal Dispute Regarding Unauthorized Credit Reporting To Whom It May Concern, I am writing to formally dispute an item ( s ) on my credit report. Report number XXXX that I believe has been included in violation of 15 U.S.C. 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ). Specifically, I have not given written consent for the reporting of this information on my credit report, as required by law.

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 2025-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
[ SEE ATTACHMENTS FOR ADDT'L DETAIL ] I am writing to formally dispute the inaccurate and misleading late payment reporting on my closed auto loan account with Capital One Auto Finance XXXX This account was paid in full in XX/XX/year> following an accident where my vehicle was deemed a total loss. The reported late payments for XXXX and XX/XX/year> are incorrect, as Capital One Auto Finance was notified of the insurance claim and payout in progress before those dates. 
Disputed Reporting Inaccuracies : 1. Late Payments Reported After Loss Notification & Pending Insurance Payout Capital One Auto Finance was aware that my vehicle was totaled, and I communicated with your company regarding the insurance settlement process. Despite this, you continued to report 30-day late payments for XXXX and XX/XX/year>, even though the loan was being settled. 
o Violation : 15 U.S.C. 1681s-2 ( a ) Furnishers must not report inaccurate or misleading information.

o Violation : 15 U.S.C. 1666 ( b ) The Billing Error Law states that consumers can not be penalized for billing disputes in the process of being resolved. o Violation : 15 U.S.C. 1637 ( a ) ( 7 ) Requires creditors to provide accurate disclosures regarding account status an
d payment obligations.

2. Failure to Conduct a Proper Reinvestigation This account was previously disputed, yet Capital One Auto Finance failed to correct these inaccuracies. Furnishers are legally required to conduct a reasonable and thorough reinvestigation when a consumer disputes reported information.

o Violation : 15 U.S.C. 1681s-2 ( b ) Requires furnishers to conduct a reasonable reinvestigation when notified of a dispute.

o Violation : 15 U.S.C. 1681i ( a ) Consumer reporting agencies must properly reinvestigate disputed information and correct any errors.

3. Inconsistent Reporting Across Bureaus This account is only reporting to XXXX, but is not appearing on XXXX or XXXX. This inconsistency raises concerns about Capital One Auto Finances data integrity and compliance with reporting accuracy requirements.

o Violation : 15 U.S.C. 1681e ( b ) Creditors must ensure maximum possible accuracy and consistency in consumer reporting.

o Violation : 15 U.S.C. 1681s-2 ( a ) ( 3 ) Prohibits furnishers from knowingly providing inconsistent or incomplete data.

4. Zero Balance but Late Payments Still Impacting Creditworthiness This account was paid in full in XX/XX/year>, yet the late payments remain and are unfairly impacting my creditworthiness. 
o Violation : 15 U.S.C. 1681s-2 ( a ) Furnishers must update and correct any inaccurate or outdated information.

o Violation : 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) ( a ) Open-end credit plans must ensure accurate balance reporting, and misleading account statuses negatively affect creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
. I am requesting that midland credit management provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation