vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: NY

Complaint narrative:
Hi I recently check my credit report and notice multiple inaccuracies. These inaccuracies includes late payments and inquires. The late payments are inaccurate and need to be updated to reflect my on time payment status. Below I will attach dates that I've paid. I am requesting you investigate the following accounts thoroughly and that they are to be brought to the most accurate dates ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All these cards have late payments that need to be removed and updated to on time status. The following inquires are fraudulent and I did not authorize. XXXX  XXXX XXXX needs to deleted also being that I never authorized a card with them. XXXX XXXX as well please do your investigation to bring my credit profile up to date.

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 2024-10-07 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: GA

Complaint narrative:
I became aware of several fraudulent accounts appearing on my credit reports, which I did not open or authorize. These accounts, including auto loans, credit cards, rental charges, and collections, were established using my identity without my consent. 

I promptly reported the identity theft to the Federal Trade Commission ( FTC ) and have filed identity theft reports with both the FTC and relevant law enforcement agencies. The fraudulent activity includes the following types of accounts : Fraudulent auto loans reported since XX/XX/XXXX Fraudulent rental charges reported since XX/XX/XXXX Fraudulent credit card accounts opened between XXXX and XXXX Incorrect collection accounts reported as unpaid Despite multiple disputes with the credit reporting agencies, including requests for removal and verification, the accounts remain on my report. These inaccuracies have continued to harm my credit and financial standing. 

I am seeking an immediate investigation, validation, and removal of these fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure my credit report accurately reflects my financial activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: GA

Complaint narrative:
I became aware of several fraudulent accounts appearing on my credit reports, which I did not open or authorize. These accounts, including auto loans, credit cards, rental charges, and collections, were established using my identity without my consent. 

I promptly reported the identity theft to the Federal Trade Commission ( FTC ) and have filed identity theft reports with both the FTC and relevant law enforcement agencies. The fraudulent activity includes the following types of accounts : Fraudulent auto loans reported since XX/XX/XXXX Fraudulent rental charges reported since XX/XX/XXXX Fraudulent credit card accounts opened between XXXX and XXXX Incorrect collection accounts reported as unpaid Despite multiple disputes with the credit reporting agencies, including requests for removal and verification, the accounts remain on my report. These inaccuracies have continued to harm my credit and financial standing.

I am seeking an immediate investigation, validation, and removal of these fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure my credit report accurately reflects my financial activity.

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 2024-10-07 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Request and Demand for Removal of Collection Account from Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally demand that you cease and desist all collection activities regarding the above-referenced account. I do not acknowledge any debt to your company and dispute the accuracy of the collection reported on my credit report.

This account has been causing undue damage to my creditworthiness, and I demand that you immediately remove any references to this account from my credit reports with all major credit reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you cease all communication with me in relation to this alleged debt, except to inform me that your company will comply with my request to cease collection efforts or notify me of legal actions that may be taken. 
I expect the following actions to be taken within 30 days from the date of this letter : XXXX. Removal of the collection account from all of my credit reports. 
XXXX. A formal confirmation in writing that you will no longer pursue collection of the debt. 
3. Verification that the account has been resolved and all adverse information has been removed from my credit report.

Failure to comply with this request will result in me pursuing further legal action and filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney General.

Please be advised that I am fully aware of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to assert them if necessary.

Thank you for your prompt attention to this matter. I look forward to your written response within 30 days. 
Sincerely, 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 explanation
Consumer complaint received 2024-10-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} Inquiries that I do not have accounts with and took no credit or loan out for that's still reporting on my personal files. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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.

AND according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} Inquiries that I do not have accounts with and took no credit or loan out for that's still reporting on my personal files. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( XXXX ) 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. 

AND according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/year>, I ordered 3-month prepaid celluar phone plan with the XXXX, but after making a payment, I went thru the eSim activation process, but couldn't activate the plan by transferring the number onto the XXXX. After speaking with the XXXX technical support, they were able to transferred my existing phone number onto their syste, but they couldn't activate my eSim card on my iphone.

After many attempts and waiting hours and hours, next day, I spoke with the XXXX and requested for the full refund due to their failed eSim activation. On the phone, the technician told me that they would refund the money, and I had to request my phone number to be transferred back to my current provider. 

I sent several emails to the XXXX to check the status of the refund, but they had never responded before I opened the credit card charge dispute with CapitalOne credit card dispute department. 

CapitalOne dispute department requested additional information regarding the charge, so I sent my email communications along with the merchant cancellation policy, but CapitalOne asked me to work with directly with the XXXX to get refunded. 

Because the cellular plan was never used due to the lack of eSim card activation, I should receive the full refund based on the merchant refund policy, but CapitalOne dispute department is somehow they could not help to dispute the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-07 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: NY

Complaint narrative:
TransUnion is reporting a XXXX XXXX account XXXX that have been removed from my XXXX and XXXX and TransUnion reporting as an open account. This accounts should not be furnished on my consumer report as a violation under 15 U.S Code 168ib as a consumer I want this account deleted 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 2024-10-07 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: OK

Complaint narrative:
I recently reviewed my credit report with fraudulent accounts.

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 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I helped a friend received a XXXX transaction, so Capital One called me and they told me theres some suspicious activity going on my account and theyre gon na please place it on suspension so weeks ago by they ended up closing the account and they told me when they close my account theyre gon na send me all the money I have in my account mind you when this when the suspension happened I had about {$550.00} in my account during the suspension. I received over {$1000.00} paycheck from my job about two weeks later on the XXXX of XXXX I received about {$270.00} in my account so when I got my check today, I only received three cents instead of over {$2000.00} in my check, I only receive three cents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: FL

Complaint narrative:
I checked my credit report recently and noticed that there are negative marks on my report such as late payments, which I really don't recognize because I have always been up to date with all my payments and in my history there have always been on time payments, all payments have been made on time, so it seems unfair to me that these marks are affecting my credit in a negative way The negative marks are these 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 Transunion : 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 2024-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Since XX/XX/XXXX, I have been paying an additional {$140.00} each month, which totals {$1800.00}. I noticed this extra charge a few months ago and inquired about it with Mr. Cooper. They conducted a review and found that the issue dates back to XX/XX/XXXX. 

I have been paying my home insurance since purchasing my home, but there was a miscommunication between the loan company and my insurance provider. The previous loan company has since been taken over by Mr. Cooper. 

I have been trying to resolve this issue for four months. Although I received one letter indicating they would investigate, I have not received any further updates. My primary goal is to reclaim my funds. Every time I call Mr. Cooper, I either get transferred to another department or the call gets disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: NE

Complaint narrative:
My account with ( XXXX XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30 to 60 days ) 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 XXXX XXXX, XXXX 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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a hard inquiry on my XXXX credit report that i noticed through XXXX XXXX. The hard inquiry is from ComenityCapital/Sephora and i never applied for any credit from them. The date of the inquiry is XXXX XXXX and when i contacted Comenity Capital they did not have any of my information or knowledge of me in their system so they told me to reach out to the Credit Bureau. When I contacted XXXX, I was told to fill out this form and file a dispute. I think someone did it fraudulently and accessed my credit to attempt to open a line of credit through sephora. None of the other Credit Bureau 's show any hard inquiries on my credit report as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom it may concern, I am submitting a complaint against CELTIC/Con under 15 U.S.C. 1601 for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, XXXX has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company to advise them of a financial hardship and loss of employment. The company never sent me a 1099 despite three attempts. I want this entire account removed /deleted from all three credit bureaus and I want a letter emailed to me within 3 business days : ( XXXX ) on company letterhead stating that this account has been removed and the matter has been resolved. Thank you for your attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief