vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, there are numerous discrepancies in the information reported across credit bureaus : Last Verified : Two accounts lack a " Last Verified '' date, which affects the accuracy and completeness of the data. 
Closed Date : Only XXXX shows a " Closed Date, '' while XXXX and Equifax do not provide this information. 
Account XXXX : XXXX marks the account as " Closed, '' whereas XXXX and Equifax indicate " Paid. '' Account Details : Account Name : XXXX XXXX Account Number : XXXX High Balance : {$14000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Paid Payment Status : Current Two-Year Payment History : XXXX late payment inaccurately reported for XX/XX/XXXX. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment for XX/XX/XXXX from my credit report. Additionally, I request that Equifax address the discrepancies in the " Last Verified '' date, " Closed Date, '' and " Account Rating '' fields to ensure consistency and accuracy across all accounts. 
I expect to receive written documentation confirming the removal of this entry and correction of discrepancies within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-12-23 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-12-23 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: FL

Complaint narrative:
To : XXXX, XXXX, Equifax and XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX : NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Regards, XXXX XXXX ( FCRA )XXXX XXXX XXXX Equifax Information Services, XXXX, XXXX and XXXX XXXX XXXX. 

I am attaching my ID and proof of address to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
To : XXXX, Experian, XXXX and XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX : NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl, XXXX Regards, XXXX XXXX ( FCRA ). CC : XXXX XXXX XXXX, XXXX, Experian and XXXX XXXX XXXX. 

I am attaching my ID and proof of address to verify my identity.

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 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
JP morgan keeps getting credit card request under my name and SSN with out my consent. They also pull soft inquiries each month. Ive contacted the banks and they will not provide me with any info as to where the credit cards are being submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: IA

Complaint narrative:
while checking my most recent credit report i noticed unauthorized and fraudulent credit inquires made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. in addition I did not give them permission to furnish this information onto my credit report this is a violation of the FCRA SEC.1681b ( c ) which constitutes as fraudulent activity an is a serious breach of my privacy rights. 

Fraudulent and unauthorized hard inquiries XXXX XXXX, date opened XXXX XXXXXXXX XXXX XXXX XXXX, date opened XX/XX/year>, XXXX XXXX ( finance ), date opened XX/XX/year>, XXXX XXXX ( auto ) date opened XX/XX/year>, XXXX XXXX XXXX, date opened XX/XX/year>XXXX XXXX XXXX XXXX, date opened XX/XX/year>, XXXX XXXX XX/XX/scrub> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I recently encountered fraud through my checking account with PNC bank were funds have been taken out it was about XXXX $ i reported it, they than provided provisional credit for that amount. They than placed a hold on the account and i can not access the funds. I called multiple times, including going to different PNC branches. I get no answer to why i can not withdraw the provisional credit. As at first was told i may access the funds within 10 business days, than that was changed to 30 days now they tell me 60 days. I am now 2 months late on rent my phone bill is late, credit cards etc Late fees and charges are adding up. Its now the holidays and i currently dont have a dime in my pocket those funds Are from my children 's XXXX  benefits from Social Security XXXX I am in extremely desperate situation. I been having XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, as my bills keep adding thank you those are the only funds i currently have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Subject : Complaint Against Westlake Financial Services for Violations of Repossession and Consumer Protection Laws XXXX To Whom It May Concern, I am submitting this complaint to formally report Westlake Financial Services for violating repossession laws and engaging in unfair debt collection practices. Below is a summary of the relevant details and violations : Background Information : Vehicle Details : XXXX XXXX XXXX Purchase Date : XX/XX/XXXX Creditor : Westlake Financial Services Repossession Date : XX/XX/XXXX ( Voluntary Repossession ) Vehicle sold : XX/XX/XXXX Violations by Westlake Financial Services Failure to Provide Notice of Sale & Right to Redeem or Reinstate : Westlake Financial Services did not provide me with any notice of the intended sale of my repossessed vehicle. I was unaware of the sales timing, location, or terms, which violates both Pennsylvania repossession laws and Uniform Commercial Code ( UCC ) Article 9.

Failure to Provide Accounting of Sale Proceeds : After the vehicle was sold, Westlake Financial Services did not provide me with a detailed accounting of the sale proceeds, including : The amount the vehicle was sold for. 
How the proceeds were applied to my loan balance, repossession fees, and other costs. 
Any remaining deficiency balance. 

Harassment and Unfair Debt Collection Practices : Westlake Financial Services has continually harassed me with repeated calls demanding payment for a deficiency balance without providing legally required information about the sale of the vehicle. 

On XX/XX/XXXX, I spoke with a representative named XXXX XXXX, who was dismissive and rude when I requested information about the sale and explained their legal obligations. She repeatedly interrupted me and falsely claimed that I should read my contract for answers. 

Violation of Fair Debt Collection Practices Act ( FDCPA ) : The harassing phone calls, combined with the failure to provide required information, constitute a violation of the FDCPA.

Conclusion Westlake Financial Services has failed to meet its legal obligations and engaged in unfair practices that have caused me undue stress and frustration. I trust that the CFPB will investigate this matter thoroughly and take appropriate action to ensure compliance with repossession and consumer protection laws. 

Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-12-23 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: CA

Complaint narrative:
Ive been patient long enough, but its clear that my repeated efforts to address the accounts in litigation on my credit report are being ignored. These accounts are inaccurate and should not be affecting my credit score.

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 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I made a payment on my XXXX  XXXX ( XXXX XXXX ) on XXXX, XX/XX/year>. The payment included a late fee and a stated over the limit fee for a total of {$960.00}. Concord XXXX received the payment on XX/XX/year>, but attempted to debit my bank account on XXXX separate occasions despite the fact that the funds were already paid on XX/XX/year>. I received XXXX XXXX fees from my bank due to the attempts. 

I made a payment on my account on XX/XX/year>, for the entire balance of {$620.00}. The payment never posted to my account and no credit appeared confirming the credit payment. I contacted XXXX XXXXXXXX on XX/XX/year>, to inquire about my payment and was advised that XXXX to me, Concord XXXX closed my account without notifying me before the {$620.00} payment was made. XXXX  stated that my account had been closed on XX/XX/year>, even though I had received a statement for an amount due of {$44.00} from Concord with a due date of XX/XX/year>. 

I paid the balance with my bank card for the first time ever due to the previous repeat attempts to direct debit my bank account the prior month which caused me excessive fees. 
I would not have paid the entire balance {$620.00} if I knew that the account had been closed XXXX weeks earlier. I planned to pay my automobile insurance with the funds once they posted to my account. However, since Concord closed my account without my knowledge prior to me making a payment the funds were taken and not posted this has caused me a great hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-23 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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 non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In a recorded communication, A representative from Capital One offered me to remove the fees from my payments if I paid the loan in full. I made the full payment of my loan but they refuse to honor their promise.This is clearly fraud. Now, what they did when I called them to request the credit they promised me .... they rejected my payment and threatened me with repossessing my vehicle. I need your assistance in resolving this issues and also helping other from being victims of these fraudulent companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Target charged off and assigned my debt to a law firm. I worked with the law firm to agree on a debt settlement agreement. I paid the agreement. They sent me a copy of my debt settlement agreement. The settlement was completed XX/XX/year>. Target is still reporting my account delinquent when it should report no balance this account is settlement paid for less than owed. Instead target is reporting to the credit bureaus that I made a payment but that I still owe the rest of the balance. When I contacted target they refused to work with me, they said they could do nothing for me even though when I called the law firm they said they showed my account settled and that I dont owe anymore. I have a copy of my debt settlement agreement but target keeps denying it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-23 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: NM

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXXXXXX 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 2024-12-23 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief