vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Denefits LLC
State: FL

Complaint narrative:
On XX/XX/2021, I engaged the services of a credit repair company, which subsequently retained a financial services company to manage my monthly payments. However, an employee of the credit repair company ( later revealed to be a scammer ) contacted me the day after I signed up, warning me about the company 's unethical practices and advising me against proceeding. Despite this, I continued with the services, only to find that the company failed to deliver on its promises and eventually went out of business. 
To my dismay, the financial services company continued to report negatively on my credit for non-payment, despite the fact that the credit repair company had failed to provide the agreed-upon services and had ceased operations. Upon reviewing the contract, I discovered that there was no provision holding me responsible for monthly payments in the event of non-rendered services or company insolvency. 
I have obtained a copy of the contract and have previously succeeded in having the negative marks removed from my credit report. However, the financial services company has since found a way to reinstate these marks. I am seeking to have them permanently removed, as the services were never rendered, and the credit repair company had hired a scammer who had access to my personal information, as well as that of my mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recieved a charge on my card which went unnoticed for {$3000.00} in XX/XX/2022 from an a service based business ( Fraudulent Attorney ). I did not recieve any service from this fraudulent business which is advertising as attorney services. I contacted Capital One Credit Card Services once my accountant brought this fraudlent charge to my attention and Capital One issue a temporary credit. 
Capital One sent me a letter within a month and indicated that they had issued me the credit and I was not liable for the fraudulent charges as it was deemed as fraud and unauthorized. Thereafter without contacting me with further information, they reversed the charges and charged me back the {$3000.00} without appropriate details and when I call they simply advise that the time frame passed for them even though they had originally agreed that the charges were frauduent and it was determined that there was {$0.00} liability to me and they had confirmed this all in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found
State: FL

Complaint narrative:
I received an email on XXXX after logging into my account and discovering my account had been frozen due to suspicious activity. It made me verify my identity which I did via the found app with no hesitation, mind you this is a business account, which I do event planning and event decor, the months of XXXX, XXXX & XXXX are my busiest months so I also use bidding companies like offer up market place XXXX eventing to bid on decor chairs, center pieces, ballons ect. So Id been bidding sending funds via XXXX XXXX from my found account, I was not provided a phone number to contact found, only contact via email or app. Provided info as well as explanation and link to my decor site and I need my funds unfrozen and released asap! I hadnt events this weekend and still have things to purchase. I will no longer use the found account and will use my XXXX business account going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NV

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
I remember I answered a phone call ( on my cell phone ), while I was driving. The phone number of caller is XXXX. The caller identified herself as, " XXXX ''. She claimed she is calling from the Law Firm of Maury Cobb. " XXXX '' claimed I owe {$290.00} to XXXX. I knew her claim is FRAUD. I knew that XXXX cell phone number was deactivated and transferred to XXXX. The date was XX/XX/year>. The entire account was transferred on that date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft.The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.

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 2024-05-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: Elevate Recoveries, LLC
State: FL

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been disputing negative items that are not 100 % correct on my credit report for some time now. Transunion disregards my dispute and continues to report the item in violation, which is unfair 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 2024-05-09 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 have been disputing this negative item that is not 100 % up to par on my credit report for some time now. Equifax is disregarding my dispute and continues to report the item in violation. This is unfair to me as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to XXXX XXXX XXXX XXXX reported in XXXX was re-aged on my credit reports by XXXX XXXX XXXXXXXX. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, XXXX XXXX XXXXXXXX continues to report this alleged debt that is not owed by me and XXXX XXXX XXXXXXXX has not been able to prove that I owe this debt. In fact, XXXX XXXX XXXXXXXX owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform XXXX XXXX XXXX that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.

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 2024-05-09 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to XXXX XXXX XXXX XXXX reported in XXXX was re-aged on my credit reports by XXXX XXXX XXXXXXXX. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, XXXX XXXX XXXXXXXX continues to report this alleged debt that is not owed by me and XXXX XXXX  XXXX has not been able to prove that I owe this debt. In fact, XXXX XXXX XXXXXXXX owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform XXXX XXXX XXXX that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to XXXX XXXX XXXX XXXX reported in XXXX was re-aged on my credit reports by XXXX XXXX XXXXXXXX. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, XXXX XXXX  XXXX continues to report this alleged debt that is not owed by me and XXXX XXXX XXXXXXXX has not been able to prove that I owe this debt. In fact, XXXX XXXX XXXXXXXX owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform XXXX XXXX XXXX that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.

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 2024-05-09 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: NC

Complaint narrative:
I reviewed my consumer report and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included screenshot inside this complaint in on dates XX/XX/year> or XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. 

Thank you, Please see screenshot attached

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 2024-05-09 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: NC

Complaint narrative:
I reviewed my consumer report and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included screenshot inside this complaint in on dates XX/XX/2023 or XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. 

Thank you, Please see screenshot attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: NY

Complaint narrative:
Recently i did an investigation on my credit report and found an inaccurate account. 

XXXX XXXX Bank has violated my rights 15 U.S. Code 1681e - Compliance procedures ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverified information ( A ) In General If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following Items from my credit report, immediately.

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 2024-05-09 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: V and H Portfolio
State: CA

Complaint narrative:
I have no idea what this collection is I have never done business with the company or the original creditor of XXXX XXXX I demand for them to remove this collection off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-09 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: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This item XXXX  is inaccurate because I have some progress and I am never been late I am requesting that this item be removed or correct the payment history. Please investigate this matter and delete or correct this account as soon as possible. You failed to investigate this account properly and your neglect has violated my rights. Again. Delete or update the payment history in a good standing. 

XXXX Account 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 explanation