vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
I am writing to dispute late payments that are currently being reported on my Experian credit report. Specifically, I am disputing late payments that were reported for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX  accounts both starting with account # XXXX and # XXXX. 

The Fair Credit Reporting Act requires that consumers be provided a 30-day period after the payment due date before an account can be reported as late. However, I was never provided the mandatory 30 or 60-day late notification period before these late payments were reported. 

Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA states that furnishers may not report information about a late payment until 30 days after the payment due date. By reporting this late payment without first providing the required 30 or 60-day late period, XXXX and Experian violated federal law. 

Pursuant to the FCRA, I am requesting that you remove the disputed late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my credit report. I am also requesting that you provide me with copies of any correspondence or records that show I was properly notified that the payment was past due, as required by law, before reporting it late. Also, my other XXXX account does not report the XX/XX/XXXX payment as late either in which those accounts are synchronized. It is the same information given by XXXX to all data furnishers, so how can it be late on this account? 

Please investigate these disputed late payments and correct any inaccurate or incomplete information on my report. I can be reached at XXXX and or XXXX if additional information is required. Thank you in advance for your prompt attention and compliance with the Fair Credit Reporting Act.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I urge you to rectify the inaccurate information on my credit report by promptly removing the fraudulent details mentioned. The listed home addresses are not mine, and I request immediate correction, emphasizing my accurate address at XXXX XXXX XXXX XXXX, NY XXXX. Thank you for your prompt attention to this matter. XXXX XXXX XXXX XXXX XXXX, XXXX, NY, 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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2024 I returned to my apartment and noticed a packet taped to the door of the outside apartment building. It was a court order to me from a credit card debt collector. It was taped on there so everyone and anyone could see my personal information. It has information that should not be shared with anyone. I have no idea who has read this and now has my private information. I do not believe this is a real court document but rather a scare tactic. Now I have to worry about who has my information and the security of my personal information. I will attach the first couple of sheets of the document. If more is need I will send it upon request but again my personal information is on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: MA

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents.

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 2024-03-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I voluntarily gave them back the car and told them that I couldnt no longer afford it. They got the car and told me that I still owe them the same amount that I had left on the vehicle. Even after they supposedly sold it at the auction.

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 2024-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing with deep concern and frustration regarding a persistent issue that has yet to be resolved by Chase Bank, despite my repeated efforts and communications. This letter serves as a comprehensive demand for immediate action on an account opened fraudulently in my name, constituting a clear case of identity theft. 

Critical Concerns : Identity Theft : An account ending in XXXX, associated with an XXXX XXXX XXXX XXXX was opened without my consent or knowledge, exploiting my personal information. This unauthorized use of my identity is a severe breach of my privacy and financial security. I unequivocally state that I did not authorize or consent to the opening of this account, and I have been a victim of identity theft. I understand that your records indicate the receipt of a copy of my social security card in XX/XX/XXXX. However, this does not constitute evidence of my awareness or consent. Identity theft is a sophisticated crime, and perpetrators often use stolen documents to impersonate their victims. As a previous victim of identity theft, I have experienced the misuse of my personal information before, which I believe is the case here. 
I previously submitted an Identity Theft Report. This form details the nature of the identity theft and should serve as substantial proof of my claim. 

It is my understanding that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a thorough investigation of my claims. I respectfully request a comprehensive review of this case, considering the provided affidavit and any additional documentation I will submit. 

Account Never Appeared on Credit Reports : The fraudulent account has never been listed on my credit reports from XXXX, XXXX, and XXXX. This omission significantly delayed my awareness and response to this unauthorized account, depriving me of the opportunity to mitigate its impacts on my financial health sooner. 

Legal Impossibility Due to Age : At the account 's opening in XX/XX/XXXX, I was underage, making it legally impossible for me to have entered into any contract or agreement for credit. This fact alone invalidates any claim of my consent or participation and further supports the identity theft claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL

Complaint narrative:
I attempted to dispute the error on my credit report with Mortgage solutions in XXXX XXXX after this dispute my credit report was altered to now show XX/XX/XXXX as a late payment. Below I have attached the previous credit report and a current credit report pulled today showing entirely different information made after my dispute. I also attached bank statements with the transaction for each month showing the payments being made on time to Mortgage solutions. 

XX/XX/XXXX and every payment back until XX/XX/XXXX was paid on time over the phone with Mortgage solutions financial via wire trans action for 6 months as shown in the bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: NY

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 XXXX 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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, Experian, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

ACCOUND NAME XXXX XXXX  XXXX. 
Account # XXXX. 
Date Opened. 
XX/XX/2022. 
Balance Owed. 
{$8700.00}. 
ACCOUND NAME XXXX Account # XXXX. 
Date Opened. 
XX/XX/2022. 
Balance Owed {$9900.00} Review and remove these accounts that have inaccurate 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 2024-03-08 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Subject : Cease and Desist Notice Regarding Unauthorized Credit Reporting Violation of FCRA and Maryland Identity Theft Laws Dear LVNV FUNDING, I am writing to address a serious matter concerning the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) and Maryland identity theft fraud laws. Specifically, these violations are outlined under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ) of the FCRA, as well as relevant Maryland statutes regarding identity theft. 

It has come to my attention that LVNV FUNDING has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Under federal law, as stipulated in the FCRA, consumer consent is a fundamental requirement for any reporting activity, as detailed in Section 1681b ( a ) ( 2 ). 

Furthermore, Maryland identity theft laws underscore the severity of unauthorized access and misuse of personal information, emphasizing the importance of obtaining explicit consent before reporting any consumer credit information. 

I want to make it unequivocally clear that I have not provided consent for LVNV FUNDING to report any information to my credit report. This blatant disregard for my rights constitutes a serious violation of federal and state laws, potentially damaging my creditworthiness and exposing me to financial harm. 

I demand that LVNV FUNDING immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Maryland identity theft laws. Failure to comply within the specified 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not optional ; it is a legal obligation under both federal and state regulations, designed to protect consumers from unauthorized and damaging credit reporting practices. 

I expect prompt attention to this matter and require LVNV FUNDING to rectify these violations immediately, in accordance with federal and state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/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 2024-03-08 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:
This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
On XXXXXXXX XXXX caine and weiner reached out to me by email stating they were a debt collector for XXXXXXXX  They stated they were collecting the amount of {$220.00}. I have never did business nor provided a signature to the debt collector mentioned above. Based upon XXXX XXXX Caine and wiener is not licensed or bonded in the state of Georgia to collect debt. They are reporting on my credit for XXXX, XXXX, and XXXX. I am demanding they have this removed on all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted this complaint multiple times to emphasize the urgency of the matter. It has come to my attention that several accounts were opened in my name without my explicit consent. Given the severity of identity theft, 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 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 2024-03-08 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: NY

Complaint narrative:
Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I am writing to report a discrepancy in my Mohela eligible payment tracker. Several months are missing from the tracker, which is impacting my progress towards loan forgiveness. I kindly request an immediate review and correction of the missing information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation